CMG INSURANCE Bloghttp://www.cmginsurancegroup.com/blog/View CMG INSURANCE's Website Blogen-uspostmaster@www.cmginsurancegroup.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:3017584b-9229-472a-a3eb-041a7f2dcf9eurn:uuid:e0961349-f326-46d1-a812-f42773330016http://www.cmginsurancegroup.com/blog/vacation-travel-smarts.aspxVacation Travel SmartsMake your vacation a great one &nbsp; Whether you&rsquo;re planning a trip to a local attraction in Texas this summer, or headed all the way across the country, you want your vacation to be relaxing. It&rsquo;s a getaway from work, not to mention you...Mon, 24 Jul 2017 19:52:53 -0500<h1><span>Make your vacation a great one</span></h1>
<p><strong><span>&nbsp;</span></strong></p>
<p><span>Whether you&rsquo;re planning a trip to a local attraction in Texas this summer, or headed all the way across the country, you want your vacation to be relaxing. It&rsquo;s a getaway from work, not to mention your day-to-day life. So we&rsquo;ve got some tips - from packing smart to protecting yourself from pickpockets - to make your trip the best it can be.</span></p>
<p><span>&nbsp;</span></p>
<p><strong><span>Before you go</span></strong></p>
<p><span>Even if you&rsquo;re only headed across the state, a packing list is a must. How many times have you left your home and arrived at your destination, only to find that you forgot your most comfortable walking shoes? Or your swimsuit? Put <em>everything</em> on this list,&nbsp;even if you think you would never forget it. A toothbrush is easy to replace when you get there - your prescription medication isn&rsquo;t.</span></p>
<p><span>&nbsp;</span></p>
<p><span>Be sure that you have printed itineraries for everyone in your party, and make color copies of important ID documents as well. Keep the copies in your bag, separate from your passport and other IDs. It&rsquo;s also a great idea for each person to have a list of emergency numbers, either for them to call or for someone else providing assistance.</span></p>
<p><span>&nbsp;</span></p>
<p><span>Of course, packing light can make travel a lot more enjoyable. Who wants to lug 100 pounds of luggage through the airport? Not us. Here are some ideas to help you lighten the load:</span></p>
<p style="margin-left: 39.15pt;"><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Do laundry at your destination.</span></strong><span> Nobody <em>wants</em> to do laundry on vacation, but if you&rsquo;re willing to sacrifice a little time, you can pack far fewer items of clothing. If you won&rsquo;t have access to facilities, you can wash clothes in the hotel sink and hang them up to dry.</span></p>
<p style="margin-left: 39.15pt;"><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Easy on the shoes. </span></strong><span>If you can, pack only one or two pairs of shoes. It&rsquo;s best to wear the heavier pair during travel if possible, and pack the lighter one.</span></p>
<p style="margin-left: 39.15pt;"><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Ditch the books. </span></strong><span>Consider using an e-reader instead of packing actual books - that way you can carry hundreds of books on your trip! If you don&rsquo;t own or want an e-reader, you can buy books once you reach your destination. Thrift shops are great places to find inexpensive books.</span></p>
<p style="margin-left: 39.15pt;"><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>If flying, don&rsquo;t check your bag. </span></strong><span>This will not only force you to take smaller pieces of luggage, but with most airlines charging checked-baggage fees, it will save you money! It saves you the hassle of baggage claim, too.</span></p>
<p><strong><span>&nbsp;</span></strong></p>
<p><strong><span>When you&rsquo;re there</span></strong></p>
<p><span>Once you arrive at your destination, it&rsquo;s time to relax! But don&rsquo;t let your guard down completely. After all, tourists often are targets for those looking to separate you from your money. We&rsquo;re talking mainly about thieves, but don&rsquo;t forget, you also lose money when you spend more than needed. Here are some ways to protect your wallet from criminals and other money traps:</span></p>
<p><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Don&rsquo;t carry much cash.</span></strong><span> Most places accept credit cards, and those that don&rsquo;t often have ATMs on site. </span></p>
<p><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>If you carry a wallet, keep it in your front pocket.</span></strong><span> <strong>For a purse, hang it across your body. </strong>Both will make it more difficult for a thief. You could also consider carrying a money belt, which is a good way to conceal cash and cards.</span></p>
<p><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Staying at a hotel?</span></strong><span> Check to see if they have &ldquo;resort fees.&rdquo; More and more hotels are charging these, which often provide things that used to be included in your room rate (such as access to the fitness center). Some will waive it if you complain &mdash; and it can be worth complaining because the fee can be $10 &ndash; $25 <em>each day</em>.</span></p>
<p><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Eating out too much?</span></strong><span> If your hotel room has a refrigerator, you can easily purchase and store sandwich ingredients for a cheap lunch or dinner. Many people find it more economical to rent a condominium or house for their vacation and cook most of their own meals. The money saved on restaurants can make up for any cost difference between a condo and hotel.</span></p>
<p><span>&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><strong><span>Think about travel insurance.</span></strong><span> Yes, this costs money up front. But if you have a long and expensive vacation planned, travel insurance can end up <em>saving</em> you a lot of money if something goes wrong and you need to come home early or even cancel your entire trip. Depending on the coverage you purchase, you could receive reimbursement for additional airfare, hotel charges and more.</span></p>
<p><span>&nbsp;</span></p>
<p><span>Finally, remember that you&rsquo;re on vacation to relax and escape everyday life. So when you get there, get out there! Meet some locals, do some things off the beaten path. In fact, the locals usually have the best recommendations. And you just might make some new friends, too!</span></p>urn:uuid:34e94c3d-860c-4c4b-b395-003196966f2dhttp://www.cmginsurancegroup.com/blog/tis-the-season-contest.aspxTis The Season Contest<img src='http://www.cmginsurancegroup.com/img/~www.cmginsurancegroup.com/giving.gif' align='left' /> With 2 Holidays around the corner, we figured that it would be great to welcome the season with the spirit of giving! Thanksgiving and Christmas are both Holidays that are geared toward selflessness. Instead of thinking about all that we could stand...Sat, 19 Nov 2016 08:49:36 -0600<p><span style="font-family: Georgia; font-size: 18px;"><img alt="" src="/img/~www.cmginsurancegroup.com/giving.gif" /><br />
With 2 Holidays around the corner, we figured that it would be great to welcome the season with the spirit of giving! Thanksgiving and Christmas are both Holidays that are geared toward selflessness. Instead of thinking about all that we could stand to gain on either Holiday (vacations, good food, TV binge watching, etc.), we are setting our sights on 2 special campaigns! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">We have decided to donate to 2 different causes, The Dallas Life Foundation and The Kristine Project. Of course we need your help, so, for every item that you donate, we will place your names into a drawing for a chance to win 1 of 2&nbsp; Vizio D-Series 32&rdquo; Class Full-Array LED Smart TVs.&nbsp; </span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Contest Rules:</strong> Items must be Dropped off to our home office (<span itemprop="streetAddress" style="background-color: #ffffff;">3626 N HALL, ST 408,&nbsp;</span><span itemprop="addressLocality" style="background-color: #ffffff;">DALLAS</span><span style="background-color: #ffffff;">,&nbsp;</span><span itemprop="addressRegion" style="background-color: #ffffff;">TX</span><span style="background-color: #ffffff;">&nbsp;</span><span itemprop="postalCode" style="background-color: #ffffff;">75219)</span><span style="background-color: #ffffff;">&nbsp;</span>&nbsp;during our normal business hours (9am-5pm CT)by no later than Friday, December 9<sup>th</sup>. Please call our office at 214-252-9694, if you need to make special drop off arrangements outside of normal hours. You will obtain your info for the drawing during time of drop off. One entry per item donated. &nbsp;There will be 2 winners selected ( you can only win 1 TV).&nbsp; Drawing will take place on Monday, December 12<sup>th</sup>, in which the winners will be announced by close of business (5pm CT).&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">Campaign Info:</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>1.<span>&nbsp;</span></strong>We Have partnered with <span style="color: #953734;">Box of Hope</span>, a local nonprofit organization, that supports children with Spina Bifida, and other disabilities. Together, we are collecting coats for the homeless at the Dallas Life Shelter. &nbsp;Dallas Life is a place where homeless men, women, and children can receive help and hope during their time of need. They help create a path to recovery and self-sufficient living. </span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">Coats Needed:</span></strong></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">Children:</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">Baby (Sizes 0-24m)</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Toddler (Size 2T-4T)</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Child (Size 5-14) </span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Adult:</strong> </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">All Sizes Welcome<br />
<br />
</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong><span style="color: #1d2129;">2.&nbsp;</span></strong>Based in Plano, TX, <span style="color: #953734;">The Kristine Project</span>&nbsp; is a Day Care and &nbsp;School that specializes in the development of children with special needs. &nbsp;T<span style="background: white;"><span style="color: #1d2129;">he Kristine Project is committed to excellence</span><span class="apple-converted-space" style="color: #1d2129;">&nbsp;</span><span style="color: #1d2129;">in education and the encouragement of success. They believe that even in the silence of a child that cannot speak, lies a mind of a genius. They create opportunities for their children&rsquo;s success. Feel free to visit their page @&nbsp;</span><span style="color: #4f81bd;">https://www.facebook.com/TheKristineProject</span></span></span></p>
<p><span style="font-family: Georgia; font-size: 18px;">We are looking to help out this school, by donating any of the following to help the school and the children: </span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">Day To Day Items:</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">Paper Towels</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Toilet Paper</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Baby Wipes</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Cases of Water Bottles</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Paper Plates</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Napkins</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Plastic Ware</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Plastic Cups (mo</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></strong></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">For Crafts:</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">Construction Paper (Color or Plain)</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Tacky Glue</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Playdough</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Child Paint</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Glitter</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Pom Pom Balls </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Craft Sticks</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Googly Eyes</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Variety of Stickers</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Crayons</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Markers</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">WISH LIST: Purchase of or Donations Toward the following items:</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Canon - PIXMA MX922 Network-Ready Wireless All-In-One Printer - Black</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Model: 6992B002SKU: 7919046</span></p>
<p><a href="http://www.bestbuy.com/site/canon-pixma-mx922-network-ready-wireless-all-in-one-printer-black/7919046.p?skuId=7919046&amp;ref=06&amp;loc=01&amp;ksid=d23ffde5-ddec-4a8a-a1d6-35ae44966d24&amp;ksprof_id=8&amp;ksaffcode=pg174981&amp;ksdevice=c"><span style="font-family: Georgia; font-size: 18px;">http://www.bestbuy.com/site/canon-pixma-mx922-network-ready-wireless-all-in-one-printer-black/7919046.p?skuId=7919046&amp;ref=06&amp;loc=01&amp;ksid=d23ffde5-ddec-4a8a-a1d6-35ae44966d24&amp;ksprof_id=8&amp;ksaffcode=pg174981&amp;ksdevice=c</span></a></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Big Backyard Ridgeview Clubhouse Deluxe Wood Swing Set</span></p>
<p><a href="http://www.toysrus.com/product/index.jsp?productId=12459963&amp;cp=2255956.2273442.70859346.2255969.2257593.3130012&amp;parentPage=family"><span style="font-family: Georgia; font-size: 18px;">http://www.toysrus.com/product/index.jsp?productId=12459963&amp;cp=2255956.2273442.70859346.2255969.2257593.3130012&amp;parentPage=family</span></a></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Sprogs Blue Stackable Daycare Cot - Standard (52" L) 6 of them</span></p>
<p><a href="https://www.schooloutfitters.com/catalog/product_info/pfam_id/PFAM29803/products_id/PRO41285"><span style="font-family: Georgia; font-size: 18px;">https://www.schooloutfitters.com/catalog/product_info/pfam_id/PFAM29803/products_id/PRO41285</span></a></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Little Tike&rsquo;s Big Waffle Blocks &ndash; 2 to 3 Sets</span></p>
<p><a href="https://www.walmart.com/ip/Little-Tikes-Big-Waffle-Block-Set-18-Pieces/52391185?sourceid=csesh01549aa682f985453da4ff0c781766919f&amp;wmlspartner=shoppingcom&amp;affcmpid=143001439&amp;tmode=0000&amp;bcfg=e96184b032f01c1b9788442d713a8b79&amp;veh=cse"><span style="font-family: Georgia; font-size: 18px;">https://www.walmart.com/ip/Little-Tikes-Big-Waffle-Block-Set-18-Pieces/52391185?sourceid=csesh01549aa682f985453da4ff0c781766919f&amp;wmlspartner=shoppingcom&amp;affcmpid=143001439&amp;tmode=0000&amp;bcfg=e96184b032f01c1b9788442d713a8b79&amp;veh=cse</span></a></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">We thank you in advance for your willingness to help others during these Holidays! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Sincerely, </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Team CMG</span></p>urn:uuid:edcc5b3c-6699-4adb-98b9-6f40a4d5a7b6http://www.cmginsurancegroup.com/blog/the-truth-about-lightning.aspxThe Truth About Lightning<img src='http://www.cmginsurancegroup.com/img/~www.cmginsurancegroup.com/Photos-of-Lightning12.jpg' align='left' />With all of the crazy weather that Dallas, TX has experienced over the past few weeks, we figured we would shed some light on a few topics.&nbsp; This blog will focus on Lightning and some of the myths surrounding it. Click on the link below, from l...Mon, 25 Apr 2016 22:04:57 -0500<span style="font-family: Georgia; font-size: 18px;">With all of the crazy weather that Dallas, TX has experienced over the past few weeks, we figured we would shed some light on a few topics.&nbsp;<br />
<br />
This blog will focus on Lightning and some of the myths surrounding it. Click on the link below, from lightning.org to view some myths about this particular topic.&nbsp;<br />
</span><br />
<br style="background-color: #ffffff;" />
<a href="http://lightning.org/wp-content/uploads/2014/12/LSAW-Infographic.jpg" target="_blank" title="This external link will open in a new window" style="color: #0066cc; background-color: #ffffff;">http://lightning.org/wp-content/uploads/2014/12/LSAW-Infographic.jpg</a><br />
<br />
<br />
<br />
<img alt="" src="/img/~www.cmginsurancegroup.com/Photos-of-Lightning12.jpg" style="width: 500px; height: 333px;" />urn:uuid:bf11580d-fda8-4e6b-8098-d9a2086bb423http://www.cmginsurancegroup.com/blog/what-the-hail.aspxWhat the Hail...<img src='http://www.cmginsurancegroup.com/img/~www.cmginsurancegroup.com/HAIL-330x220.jpg' align='left' /> Hail&nbsp;is a form of solid&nbsp;precipitation. It is distinct from&nbsp;American sleet(called ice pellets outside of the United States), though the two are often confused.[1]&nbsp;It consists of balls or irregular lumps of ice, each of which is ca...Mon, 18 Apr 2016 00:16:20 -0500<div style="margin: 0px; padding: 0px; background-color: #ffffff;">
<p class="p1" style="color: #454545; margin: 0px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;"><span class="s1">Hail</span><span class="s2">&nbsp;is a form of solid&nbsp;<a href="https://en.m.wikipedia.org/wiki/Precipitation_(meteorology)" target="_blank" title="This external link will open in a new window" style="color: #0066cc;"><span class="s3" style="color: #e4af0a;">precipitation</span></a>. It is distinct from&nbsp;<a href="https://en.m.wikipedia.org/wiki/Ice_pellets" target="_blank" title="This external link will open in a new window" style="color: #0066cc;"><span class="s3" style="color: #e4af0a;">American sleet</span></a>(called ice pellets outside of the United States), though the two are often confused.</span><span class="s4">[1]</span><span class="s2">&nbsp;It consists of balls or irregular lumps of ice, each of which is called a&nbsp;</span><span class="s1">hailstone</span><span class="s2">. Sleet (ice pellets) falls generally in cold or storm weather while hail growth is greatly inhibited during cold surface temperatures. It can grow in thunderstorms even in warm temperatures.&nbsp;</span></span></p>
<p class="p2" style="color: #454545; margin: 0px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;"><br />
</span></p>
<p class="p1" style="color: #454545; margin: 0px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;"><span class="s1"><strong>Insurance</strong></span><span class="s2"><strong>&nbsp;Myth:</strong>&nbsp;</span></span></p>
<p class="p1" style="color: #454545; margin: 0px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;"><span class="s2">Insurance will cover your&nbsp;</span><span class="s1">car</span><span class="s2">&nbsp;if it is stolen, vandalized or damaged by&nbsp;</span><span class="s1">hail&nbsp;</span><span class="s2">or fire. <br />
<br />
<strong>Insurance Fact:</strong><br />
Unless you have comprehensive&nbsp;</span><span class="s1">coverage</span><span class="s2">, you're not&nbsp;</span><span class="s1">covered</span><span class="s2">&nbsp;for any of these things. Comprehensive&nbsp;</span><span class="s1">coverage</span><span class="s2">&nbsp;pays for damage to your&nbsp;</span><span class="s1">car</span><span class="s2">&nbsp;that is not the result of a&nbsp;</span><span class="s1">car</span><span class="s2">&nbsp;accident.</span></span></p>
<div><span class="s2" style="font-family: Georgia; font-size: 18px;"><br />
Give us a call today, and let's review your coverages.&nbsp;<br />
<br />
<br />
<img alt="" src="/img/~www.cmginsurancegroup.com/HAIL-330x220.jpg" /><br />
</span></div>
</div>urn:uuid:523ac108-1d79-4b1c-8cb3-9b9ca7f60cbahttp://www.cmginsurancegroup.com/blog/national-retirement-planning-week-april-11th-15th.aspxNational Retirement Planning Week: April 11th-15th<img src='http://www.cmginsurancegroup.com/img/~www.cmginsurancegroup.com/download.jpg' align='left' />Retirement can be a word that many people work tirelessly to achieve, but in REALITY may find themselves on the short end of the rope. We thought we would chime in on this topic and share a few helpful tips. Tip 1: If your company has a retirement sa...Mon, 11 Apr 2016 12:12:34 -0500<p><span style="font-family: Georgia; font-size: 18px;">Retirement can be a word that many people work tirelessly to achieve, but in REALITY may find themselves on the short end of the rope.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">We thought we would chime in on this topic and share a few helpful tips.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Tip 1: If your company has a retirement savings plan (401k or 403b), INVEST! There is an added bonus if the company matches a portion of your contributions. Who doesn&rsquo;t love free money?! Your benefits department should have more info to get you on track!</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Tip 2: It is a good rule of thumb to have between 3-6 months of your monthly bills set aside in a liquid saving account. What is a liquid account? It is an account that you have easy access to without having to wait so many days to receive your money (Ex: a savings with your local bank). A good way to begin to set this money aside is to set up an automatic transfer from your checking to your savings every month.&nbsp; </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Tip 3: Give yourself a weekly allowance, and save the rest! Calculate, on average, how much you spend on daily expenses in a given month. Divide that number by 4, and you will have your weekly allowance amount. &nbsp;If you had went on a MAJOR shopping spree one week&hellip;that would be excluded. If your shopping is a crazy habit&hellip;that is a topic for another day. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Tip 4: Keep money for bills in a SEPARATE checking account! By doing this, it helps to keep from spending money that you don&rsquo;t truly have to spend. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Tip 5: Pay for daily expenses with cash. If you break the habit of swiping the card (that always seems to have a limitless amount of cash at the time you make purchases) it will help to keep MORE money in the bank&hellip;furthering your financial growth. Try keeping your allowance (Tip #3) in cash, and once it is gone&hellip;it is gone! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Try putting some of these tips to use, and see if 2016 is the year for your financial growth. Happy Planning!&nbsp;<br />
<br />
<br />
<img alt="" src="/img/~www.cmginsurancegroup.com/download.jpg" /></span></p>urn:uuid:84726de1-ab4c-4d98-bae6-b69b7f06512bhttp://www.cmginsurancegroup.com/blog/home-insurance-vs-home-warranty.aspxHome Insurance vs. Home WarrantyBoth are great protections to have, however, were you aware that both offer different types of protection? Protecting your assets is just smart. The best way to do this is to purchase both a homeowner&rsquo;s insurance policy and a home warranty. ...Thu, 07 Apr 2016 12:52:12 -0500<div style="margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px;"><span style="background-color: rgba(255, 255, 255, 0);">Both are great protections to have, however, were you aware that both offer different types of protection?</span><br />
<span style="background-color: rgba(255, 255, 255, 0);"><br />
</span></span></div>
<div style="margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px; background-color: rgba(255, 255, 255, 0);">Protecting your assets is just smart. The best way to do this is to purchase both a homeowner&rsquo;s insurance policy and a home warranty.</span></div>
<div style="margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px;"><strong><span style="text-decoration: underline;"><br />
</span></strong></span></div>
<div style="margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px;"><strong><span style="text-decoration: underline;">Home Insurance&nbsp;</span></strong></span></div>
<div style="margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px;"><span style="background-color: rgba(255, 255, 255, 0);">A home insurance policy covers any accidental damage to your home and belongings due to theft, storms, fires, and some natural disasters. iT includes personal&nbsp;property, in case of theft, loss or damage, and liability that can arise when a person is injured while on your property.</span><br />
<br />
</span></div>
<div style="margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px; background-color: rgba(255, 255, 255, 0);"><strong><span style="text-decoration: underline;">Home Warranty</span></strong><br />
A&nbsp;<a href="https://www.ahs.com/" target="_blank" title="This external link will open in a new window" style="color: #0066cc;">home warranty</a>&nbsp;is a service contract that provides for repair or replacement of your system components and appliances that fail due to age and standard wear and tear. For instance, components of your HVAC, electrical, and plumbing, kitchen appliances and washer/dryer are all typically covered under this warranty.<br />
<br />
Need to know more? Give us a call today! Tab on over to our "Contact" page and let's get you protected!</span></div>
<div><span style="font-family: Georgia; font-size: 18px; background-color: rgba(255, 255, 255, 0);"><br />
</span></div>urn:uuid:29fe0a19-ec8f-47ce-bb79-0c93d5ac2616http://www.cmginsurancegroup.com/blog/the-good-done-on-good-friday.aspxThe Good Done on Good Friday<img src='http://www.cmginsurancegroup.com/img/~www.cmginsurancegroup.com/12321175_979670045458154_2965761206847501125_n.jpg' align='left' />Good Friday was a Good Friday, indeed! What better way to start your day, than by performing selfless acts! That is just what our CMG family did. We loaded up all of our goodies and made our way to Jonathan&rsquo;s Place for 10:30am. &nbsp;Thanks to...Wed, 30 Mar 2016 18:57:40 -0500<p><span style="font-family: Georgia; font-size: 18px;">Good Friday was a Good Friday, indeed! What better way to start your day, than by performing selfless acts! That is just what our CMG family did. We loaded up all of our goodies and made our way to Jonathan&rsquo;s Place for 10:30am. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;Thanks to the support of our families and our community, we were able to donate Easter Baskets to every child at the shelter! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">There are still opportunities to give! This shelter thrives off of the support of our community. Of course we could not give EVERYTHING on the list, but here is what we were able to accomplish in such a short time frame. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">We gave a total of 23 Baskets: 8 Teenagers and 15 children&hellip;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Our Teen&rsquo;s baskets included: Money, makeup, makeup bags, socks, notepads, pens, hair accessories, nail polishes, and of candy!</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Our Children&rsquo;s baskets included: Coloring Books, cups, crayons, colored pencils, stickers, Easter activities, stuffed animals, bubbles, toys, and candy.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">In addition, we were also able to donate toys, blankets, baskets, and gift cards to Jonathan&rsquo;s Place! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">To all that had a heart to give&hellip;again, we say &ldquo;Thank You!&rdquo; &nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">From our CMG family to yours, let&rsquo;s keep supporting our communities!&nbsp;</span></p>
<img alt="" src="/img/~www.cmginsurancegroup.com/12321175_979670045458154_2965761206847501125_n.jpg" /><br />urn:uuid:4a93ce05-150e-4170-a0f7-2a6119b6049ehttp://www.cmginsurancegroup.com/blog/jonathans-place-race-to-help.aspxJonathan’s Place: Race to Help!With Easter vastly approaching, we must update everyone as to our progress for the Easter Baskets for the children at Jonathan&rsquo;s Place. Let us first say, that THERE IS STILL TIME TO SUPPORT! We would love to show these children how thought of ...Sat, 19 Mar 2016 22:38:53 -0500<p><span style="font-family: Georgia; font-size: 18px;">With Easter vastly approaching, we must update everyone as to our progress for the Easter Baskets for the children at Jonathan&rsquo;s Place. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Let us first say, that THERE IS STILL TIME TO SUPPORT! We would love to show these children how thought of they are from people in their own communities! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">So, what do we have so far? We have baskets, nail polishes, makeup kits, coloring books, crayons, bubbles, and water bottles. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">There is so much more to give! These kids need anything from toothbrushes, to a good book to read for the teens. If you have the heart to give this Easter Season, go ahead and give us a call @ 214-252-9694! Together, we can achieve greatness!<br />
<br />
Want to know what to give? View our previous Blog for a full list of what can be donated.&nbsp;</span></p>urn:uuid:5710a900-6e40-4135-813c-e101257c7552http://www.cmginsurancegroup.com/blog/we-all-can-make-a-difference.aspxWe All Can Make A Difference!When you feel a compelling desire to help your community&hellip;that is just what you should do! This year we have decided to support Jonathan&rsquo;s Place, a Dallas County Emergency Shelter. As a shelter, Jonathan&rsquo;s Place provides temporary...Fri, 11 Mar 2016 13:08:37 -0600<p><span style="font-family: Georgia; font-size: 18px;">When you feel a compelling desire to help your community&hellip;that is just what you should do! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">This year we have decided to support Jonathan&rsquo;s Place, a Dallas County Emergency Shelter. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">As a shelter, Jonathan&rsquo;s Place provides temporary emergency care to children aged newborn to 17. Although each child is safe, the shelter relies heavily on community support to aid in the care for the children. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">What we are asking? We plan to give Easter baskets to the children at the shelter, as well as support to the shelter, itself. We need your help to make this happen! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Please take a look at the list of needs, pick something that you would like to give and either call us at 214-252-9694 to make drop off arrangements or you can mail to 3626 N Hall St, Ste 408, Dallas, TX 75219 (Attn: CMG Support Team).</span></p>
<p><span style="color: #1f497d; font-family: Georgia; font-size: 18px;"><strong>Jonathan&rsquo;s Place List: </strong></span></p>
<p><span style="font-family: Georgia; font-size: 18px;">-<strong>Gift Cards:</strong> To local stores are preferred to provide each child the best clothing for their different sizes, and personalities. Visa, MC, or Amex, and Gas cards are also accepted.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">-<strong>HomeGoods:</strong> Bath Towels, Kitchen Towels, Twin Size Sheets, blankets, comforters, and pillows. Collapsible hampers and laundry baskets, strollers, trash cans (all sizes), and art supplies. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">-<strong>Household Products:</strong> Office depot, Lowe&rsquo;s, Home Depot Gift cards. Gift cards to grocery stores. Clorox wipes, toilet paper, paper towels, toilet cleaner, liquid dish soap, hand soap, hand sanitizer, trash bags, paper platesm dishwasher detergent, kitchen sponges,&nbsp; bug spray, batteries. </span></p>
<p><span style="color: #1f497d; font-family: Georgia; font-size: 18px;">For the children: (This will also help to fill the Easter Baskets&hellip;we plan for them to be large baskets)</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">-<strong>Toiletries:</strong> Body wash, Deodorant, makeup &amp; makeup bags, tampons, baby wipes, hair brushes, blow dryers and flat irons, Tylenol/motrin/ibuprofen, children&rsquo;s vitamins</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">-<strong>Clothing &amp; Accessories:</strong> Duffel bags and children&rsquo;s luggage, teen clothing (all seasons), shoes (all sizes), sweaters, jackets, and hoodies, pajamas (all sizes:winter and summer), jewelry (teens), MP3 players and non-wifi e-readers</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Jonathan&rsquo;s place also takes gift certificates local museums and entertainment venues to provide memorable and inspirational experiences for the children.</span></p>
<p><span style="color: #1f497d; font-family: Georgia; font-size: 18px;">For more information, don&rsquo;t hesitate to visit their website at <a href="http://www.jpkids.org">www.jpkids.org</a></span></p>
<p><span style="color: #1f497d;">&nbsp;</span></p>urn:uuid:fd65fae1-9370-43c2-b9f2-c09fd1230ebehttp://www.cmginsurancegroup.com/blog/insurance-tips-for-millennials.aspxInsurance Tips for Millennials You keep your car filled up with gas so you don&rsquo;t get stranded on the side of the road. You also keep your phone charged so your loved ones can reach you. But, what kind of safety measures do you have in place for more extreme scenarios? What ...Tue, 08 Mar 2016 16:31:16 -0600<p><span style="font-family: Georgia; font-size: 18px;">You keep your car filled up with gas so you don&rsquo;t get stranded on the side of the road. You also keep your phone charged so your loved ones can reach you. But, what kind of safety measures do you have in place for more extreme scenarios? </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">What if you lost everything you owned in a fire at your house or your apartment? What if your car were stolen? These situations are scary, but your insurance can help you through them, and much more, so long as you have the right coverage in place. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">So, what&rsquo;s right for you? Whether you&rsquo;re starting out on your own or starting a family, these tips can help you begin to understand the level of insurance you may need.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Consider What You Own &ndash; And What It&rsquo;s All Worth<br />
</strong>Could you imagine having to replace all of your personal belongings at once? What about having to do so from memory and on your own dime? It would be both a difficult and a costly task. So, make an inventory of your belongings and their value to minimize the former &ndash; the free Safeco <a href="http://www.safeco.com/home-inventory-app">Home Inventory app</a> can help. Be sure you have enough insurance coverage, whether you rent or own a home, to minimize the latter. It&rsquo;s known as &ldquo;personal property coverage,&rdquo; and you want enough of it to replace all of your belongings if it were to come to that.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Take Your Lifestyle Into Account</strong><br />
Drive an expensive car? Repairs are likely costly, so be sure to carry full coverage. Own a home with a lot of custom features? Be sure your homeowner&rsquo;s policy takes them into account. The way you live can help you save, too. For example, if you take public transportation to and from work, even though you own a car, you may pay less for your insurance.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Talk to Your Independent Agent for Ease, Choice and Advice</strong><br />
As an independent agency, CMG Insurance Group offers a choice of carriers and options, plus personalized advice to help make sense of it all. We make it easy by doing the research and the work for you. We know you value that &ndash; a <a href="http://www.safeco.com/about-safeco/news-detail/millenials-insurance/1240029467134">recent study</a> by Safeco Insurance says so!</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Remember, we&rsquo;re here to help. Contact us today with your insurance questions and needs.</span></p>urn:uuid:931e6061-22a4-45cf-8039-86ed2a971ad3http://www.cmginsurancegroup.com/blog/why-i-love-being-an-insurance-agent.aspxWhy I Love Being An Insurance AgentI love being an Insurance agent, because I love to help people. &nbsp; I always knew I liked this business because I like talking to people. Most of all I love providing a service where I know I&rsquo;m helping families and helping to protect their a...Tue, 01 Mar 2016 09:25:19 -0600<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">I love being an Insurance agent, because I love to help people.</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">I always knew I liked this business because I like talking to people. Most of all I love providing a service where I know I&rsquo;m helping families and helping to protect their assets.</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">I used to work for another Insurance Company that pushed Life Insurance for their clients. I really didn't understand, because I just thought it was another way of generating revenue for the company.&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">I talked to all my clients about Life Insurance, and it became second nature to me. Then I had one client that made it all come together for me&hellip;why Life Insurance was so important.</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">My client came to my office to talk about her home insurance and we made some changes to her policy. I then asked her if she had Life Insurance, and she stated &ldquo;no, but I have it at work.&rdquo; We continued to talk and I discovered her son, a niece she was taking care of, and her mother didn't have any Life Insurance. So a few weeks went by with the back and forth, but she finally came in and set-up the policies for everyone, including herself.&nbsp;<br />
<br />
</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">We talked off and on throughout the year, but one day she called me at the office crying. I was telling her to calm down and tell me what was going on. Her Mother and neice were killed in car accident and she was devastated. I could only think &ldquo;what can I do to help her calm down.&rdquo; We talked and talked until she finally calmed down.<br />
<br />
</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">A month or so passed by, and she stopped by the office and asked me if I could go to lunch with her. So I said &ldquo;of course!&rdquo; We began to talk, eat... and she starting crying. I knew she had just been through a lot, so I just sat there quietly and let her get it all out. &nbsp;Then she calmed down and said something I would never forget "THANK YOU FOR CARING ENOUGH ABOUT ME AND MY FAMILY TO OFFER US LIFE INSURANCE, BECAUSE I DO NOT KNOW WHAT I &nbsp;WOULD HAVE DONE WITHOUT THE MONEY FROM THE POLICIES." I got very emotional&hellip;I won&rsquo;t say that I cried, I am just going to say I got very emotional.&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">At that&nbsp;moment I knew that this was what I wanted to do for the rest of my life, because I LOVE helping people.&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">J Derrick McGlothin</span></p>
<p>&nbsp;</p>urn:uuid:e69fd91a-aa9a-456d-967d-8bfff3a1da11http://www.cmginsurancegroup.com/blog/emergency-preparedness-kit.aspxEmergency Preparedness KitWhat You Need in an Emergency Kit &nbsp; You never know when a natural disaster is going to hit Texas&mdash;&nbsp;or even just a big storm that knocks out the power for a few days. &nbsp; That&rsquo;s why having an emergency kit for you and your fami...Tue, 23 Feb 2016 14:28:17 -0600<p style="text-align: center;"><strong><span style="font-family: Georgia; font-size: 24px;">What You Need in an Emergency Kit</span></strong></p>
<p><span style="font-family: Georgia; font-size: 24px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">You never know when a natural disaster is going to hit Texas&mdash;&nbsp;or even just a big storm that knocks out the power for a few days.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">That&rsquo;s why having an emergency kit for you and your family is so important. It&rsquo;s not hard to put one together, yet there are still many households that would be completely unprepared if they had to evacuate their home for a few days. Or, for that matter, remain in their home without access to running water or electricity.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Below is a list of basic items for your emergency kit, as recommended by the Federal Emergency Management Agency. Of course, you can add or remove items as needed to meet the specific needs of you and your family.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<ul style="margin-top: 0in; list-style-type: disc;">
<li><span style="font-family: Georgia; font-size: 18px;">One gallon of water per person per day for at least three days.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A three-day supply of nonperishable food for people and pets. (Note that the Red Cross recommends keeping a two-week supply of food and water on hand at home.)</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A battery-powered or hand-crank radio, flashlights and extra batteries.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A first-aid kit.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Prescription medications and glasses.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Dust masks to filter contaminated air, along with plastic sheeting and duct tape to create a makeshift shelter if necessary.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A whistle to signal for help.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Moist towelettes, garbage bags and plastic ties for personal sanitation.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A tool to turn off utilities.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A can opener.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Local maps.</span></li>
</ul>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Additional items that are likely to be useful:<br />
<br />
</span></p>
<ul style="margin-top: 0in; list-style-type: disc;">
<li><span style="font-family: Georgia; font-size: 18px;">Important documents, such as&nbsp;copies of insurance policies, identification and birth certificates, bank account records, etc. Be sure to keep these in a watertight container.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Extra cash or traveler&rsquo;s checks.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Warm blankets or sleeping bags for each person in your family.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Matches.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Paper plates, plastic cups and utensils and paper towels.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Paper and pencils.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Books and activities to keep kids busy.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Emergency reference material, such as a first-aid book.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">A complete change of clothing for everyone in the family, including a long-sleeved shirt, long pants and sturdy shoes. If you live in a cold climate, you might pack additional clothing and bedding.</span></li>
</ul>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Keep in mind, when you need your emergency kit, <em>you really need it</em>. It&rsquo;s a small investment of time and effort that can have a huge benefit in case of a disaster. And you don&rsquo;t have to spend your whole day putting it together &mdash;&nbsp;spread out the work over a few days and you&rsquo;ll be prepared in no time.</span></p>urn:uuid:08390b47-cfbe-42a4-827e-d2e51127f9f0http://www.cmginsurancegroup.com/blog/car-seat-safety.aspxCar seat safetyThe Right Car Seat for Your Child Infant-only, convertible, all-in-one &ndash; many soon-to-be parents in Texas don&rsquo;t know where to begin when it comes to car seats. And, each choice has advantages and disadvantages. &nbsp; Here are five thi...Tue, 16 Feb 2016 13:28:50 -0600<p style="text-align: center;"><span style="font-family: Georgia; font-size: 18px;"><strong><span>The Right Car Seat for Your Child</span></strong><strong><span><br />
<br />
</span></strong></span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Infant-only, convertible, all-in-one &ndash; many soon-to-be parents in Texas don&rsquo;t know where to begin when it comes to car seats. And, each choice has advantages and disadvantages. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Here are five things to keep in mind, from shopping, to installation, to help you find the right seat for your precious cargo:</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong><span>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><strong><span>Know the pros and cons of each seat type. </span></strong>Children usually outgrow infant-only seats within the first year. However, they offer a snug fit and allow you to quickly snap the baby carrier in and out. Convertible seats and all-in-ones have a longer life, but they sometimes aren&rsquo;t as convenient. Both transform into forward-facing seats, and an all-in-one seat becomes a booster, as well.<br />
<br />
</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong><span>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><strong><span>Know when to use each type. </span></strong>The National Highway Traffic Safety Administration recommends using a rear-facing seat for as long as possible &mdash;&nbsp;through 12 months of age, at minimum. After kids reach the limits of rear-facing seats, often between ages 1-3, switch to forward-facing. When they outgrow those, usually between ages 4-7, it&rsquo;s time for a booster. Finally, when a seat belt fits properly without a booster, your child is done with special seats! (They should still ride in back, though.)<br />
<br />
</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong><span>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><strong><span>Don&rsquo;t accept a used car seat unless you know <em>everything</em> about it. </span></strong>It should be within its service life (look for the expiration in the manual or on the seat) and not have been involved in an accident that caused injuries or forced air bags to deploy. And, of course, it should not be included in any <a href="http://www-odi.nhtsa.dot.gov/owners/SearchSafetyIssues?prodType=C"><span>recalls</span></a>.<br />
<br />
</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong><span>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><strong><span>Before you install, read the instructions. </span></strong>Seats should be secured in the back seat with anchors or a seat belt. When you&rsquo;re done, get a <a href="http://www.safercar.gov/cpsApp/cps/index.htm"><span>free inspection</span></a> to check your handiwork, if possible.<br />
<br />
</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong><span>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></strong><strong><span>Check the fit. </span></strong>Harness straps should be flat and placed through the slot either at or below your child&rsquo;s shoulders (rear-facing) or at or above the shoulders (forward-facing). When the harness and chest clip are secured, make sure no extra material can be pinched at the shoulder.</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">Knowing your child is secure in the back seat helps you focus on distraction-free driving in the front. Your car insurance also offers peace of mind when you&rsquo;re on the road. If it&rsquo;s been awhile since your last insurance check-up, give us a call today. We&rsquo;ll help ensure you have the right coverage.</span></p>urn:uuid:55cc09c0-7f65-4981-95a6-73add06f852fhttp://www.cmginsurancegroup.com/blog/valentines-day-jewelry.aspxValentine's Day JewelryHave some new jewelry in the house? Protect it! Ah, Valentine&rsquo;s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say &ldquo;Be Mine&rdquo; - and, of course, jewel...Tue, 09 Feb 2016 16:24:22 -0600<h1 style="text-align: center;"><span style="font-family: Georgia;">Have some new jewelry in the house? Protect it!</span></h1>
<p style="background: white;"><strong><span style="color: #2a2a2a; font-family: Georgia;"><br />
<br />
</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">Ah, Valentine&rsquo;s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say &ldquo;Be Mine&rdquo; - and, of course, jewelry.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">It&rsquo;s exciting to receive jewelry from a loved one &mdash; or to give it as a gift. Not to mention romantic. But if you&rsquo;re lucky enough to have some new jewelry in your home this Valentine&rsquo;s Day, you should take a few minutes to think about something you probably don&rsquo;t find exciting or romantic: insurance.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Don&rsquo;t know where to turn? Don&rsquo;t worry. At CMG, we think it <em>is </em>exciting to help our customers protect what&rsquo;s most important to them<em> </em>&mdash; so we&rsquo;re ready to help and can answer all of your questions.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">Things to consider when insuring jewelry:</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>You may need to purchase additional coverage.</strong> Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 214-252-9694. <strong>You might want to reconsider your deductible amounts. </strong>As always, this impacts your policy premium. It&rsquo;s a good idea to take a look at your deductibles whenever you make a change to your policy.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Do you need an appraisal?</strong> You may need to have an independent appraisal if the insurance company requires it or if you don&rsquo;t know the value of your jewelry. Each item should be listed with a description and value on paper.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>What kind of coverage is offered? </strong>You&rsquo;ll want to determine if items are covered no matter where they are, whether they&rsquo;re in Texas, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Pictures can be helpful.</strong> Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Should I go with a company that specializes in jewelry insurance?</strong> There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you&rsquo;ll want to make sure they are reputable and stable.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;"><strong>Is the value of your jewelry mainly sentimental?</strong> <strong>Is an item irreplaceable?</strong> If the answer to either of these questions is &ldquo;yes,&rdquo; you might consider foregoing insurance. But please, talk to us at CMG, before making that decision. That&rsquo;s what we&rsquo;re here for.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Of course, it&rsquo;s important to store your jewelry securely when it&rsquo;s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it&rsquo;s lost or stolen, but we&rsquo;d rather your sentimental and valuable pieces stay with you and your family for years to come.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Here&rsquo;s hoping your Valentine&rsquo;s Day is full of fun and romance. And if there&rsquo;s no jewelry involved, well, there&rsquo;s always next year!</span></p>urn:uuid:2e426eb6-f0d2-4505-b6c0-d54a6db0b176http://www.cmginsurancegroup.com/blog/winter-storms-ahead-are-you-ready.aspxWinter Storms Ahead: Are You Ready? We admit it: As insurance pros, our picture of winter isn&rsquo;t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells...Tue, 02 Feb 2016 15:45:31 -0600<p><span style="font-family: Georgia; font-size: 18px;">We admit it: As insurance pros, our picture of winter isn&rsquo;t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">A picture-perfect winter requires a few precautions</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">Here are a few of our top tips to help reduce weather-related hassles this winter.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Do not overload circuits with holiday decorations. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">When winter storms hit, be smart</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">If you do not have to drive, stay put. If you must drive, make sure you&rsquo;ve winterized your car and have a full tank of gas.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally&mdash;they&rsquo;ll be less likely to burst.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><strong><span style="font-family: Georgia; font-size: 18px;">Know what your insurance covers</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">We want to help you rest easy.&nbsp; You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">If you have any questions at all about your coverage, call us and we will help you review your options.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<hr />urn:uuid:31a35b86-3f51-46e2-8cff-bd6adc1f3fb7http://www.cmginsurancegroup.com/blog/accident-scenarios-and-car-insurance-options.aspxAccident Scenarios And Car Insurance OptionsWhen you are considering car insurance options, think about different situations where you might need coverage...&nbsp; You Injure Someone In A Crash Hopefully you will never need to use this insurance, but in most states it is required by law. Le...Tue, 26 Jan 2016 18:02:42 -0600<h1 class="entry-title" style="color: #747474; margin: 0px; padding: 0px; background-color: #ffffff;"><span style="font-family: Georgia; font-size: 18px;">When you are considering car insurance options, think about different situations where you might need coverage...&nbsp;<br />
<br />
</span><strong style="font-size: 9pt;"><span style="font-family: Georgia; font-size: 18px;">You Injure Someone In A Crash</span></strong><span style="font-family: Georgia; font-size: 18px;"><br />
</span></h1>
<div class="post-content" style="color: #747474; margin: 0px; padding: 0px; background-color: #ffffff;">
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;">Hopefully you will never need to use this insurance, but in most states it is required by law. Let&rsquo;s say you are in a crash and injure another person. Maybe it&rsquo;s a serious injury, and they need surgery or other medical care. Obviously this can end up costing a lot of money. In this case,&nbsp;<em>liability</em>&nbsp;insurance covers the costs. Even the wages lost by the injured party can be covered by liability.</span></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;"><br />
Now if the person turns around and sues you for the accident, liability insurance may also cover the court costs. Plus, any damage done to property due to an accident falls under liability coverage.</span></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><strong><span style="font-family: Georgia; font-size: 18px;">Someone Breaks Or Steals Your Car</span></strong></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;">Let&rsquo;s say some misguided kid throws a rock at your car and breaks the windshield. Or maybe your car gets stolen. In this case,&nbsp;<em>comprehensive</em>&nbsp;insurance would cover the damages or the estimated cost of the car.</span></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;">Comprehensive insurance also covers damage from natural disasters such as fire, wind, hail, and flood. What comprehensive doesn&rsquo;t cover is any type of auto accident damage.</span></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><strong><span style="font-family: Georgia; font-size: 18px;">You Get Into An Accident</span></strong></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;">If you crash into a wall, fence, or another car, the coverage you need is&nbsp;<em>collision</em>. This pays for damages even if it&rsquo;s your fault.</span></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><strong><span style="font-family: Georgia; font-size: 18px;">You Hit An Animal While Driving</span></strong></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;">It might seem logical that collision would cover this, but actually, many insurances place this under comprehensive coverage. After all, deer are a part of nature, right?</span></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><strong><span style="font-family: Georgia; font-size: 18px;">Miscellaneous Types Of Insurance</span></strong></p>
<p style="margin: 0px 0px 20px; padding: 0px;"><span style="font-family: Georgia; font-size: 18px;">Liability, comprehensive, and collision are the three main types of insurance. Some insurance providers also offer these options:</span></p>
<ul>
<li><span style="font-family: Georgia; font-size: 18px;">Medical &ndash; Pays medical expenses for injury in an auto accident. This covers costs no matter who is at fault.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Personal Injury Protection &ndash; Some states actually require this. Also called PIP, this covers medical expenses for the insured driver.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Uninsured/Underinsured Motorist &ndash; If you get into an accident with someone who has no insurance, or insufficient insurance, this category is a backup that pays for the damages.</span></li>
<li><span style="font-family: Georgia; font-size: 18px;">Rental Reimbursement &ndash; This add on pays for a rental car while repairs are being made to damages due to an accident.</span></li>
</ul>
</div>urn:uuid:06ca4a36-881f-4ede-9b3a-014c3f4c8f8ahttp://www.cmginsurancegroup.com/blog/inside-cmg-what-motivates-you-part-i.aspxInside CMG: What Motivates You Part I&nbsp;From Kim... Seeing others succeed motivates me. I try to surround myself by a handful of people that are doing better than I am, so that I can ensure that I have a strong support system of people that won&rsquo;t let me settle for second best....Wed, 20 Jan 2016 16:39:42 -0600<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;From Kim...<br />
</span></p>
<p><span>Seeing others succeed motivates me. I try to surround myself by a handful of people that are doing better than I am, so that I can ensure that I have a strong support system of people that won&rsquo;t let me settle for second best. &nbsp;I know that many say that the grass isn&rsquo;t always greener on the other side, but hey&hellip;sometimes it is! </span></p>
<p><span>I am motivated daily by my family. Seeing my husband go to work to make sure that he is providing for his family motivates me to give my all to the work that I do, to let him know that he truly has a partner that is willing to assist him with the load he carries. The look that my daughter gives me every day, like I am her hero, motivates me to be the SuperWoman in her life. I want her to see a strong woman working hard to achieve greatness beyond measure. I want her to see that the road may get tough, but perseverance yields its share of rewards. </span></p>
<p><span>My life! My mere existence here on Earth motivates me to live everyday as if tomorrow is not promised. The fact is that it is not. I am motivated to live life to the fullest, and I intend to do just that.&nbsp;</span></p>
<br />urn:uuid:0a3d4f5d-773f-48c4-9242-25ff28fb05fahttp://www.cmginsurancegroup.com/blog/how-much-should-i-insure-my-home-for.aspxHow much should I insure my home for?Just got a new home, or are you just looking to properly insure the one you have? The first thing to know when determining what you should insure your home for, is that most insurance companies will not insure your home for its market value. The rea...Tue, 22 Dec 2015 15:22:17 -0600<p><span style="font-family: Georgia; font-size: 18px; background: white;">Just got a new home, or are you just looking to properly insure the one you have?</span></p>
<p><span style="font-family: Georgia; font-size: 18px; background: white;">The first thing to know when determining what you should insure your home for, is that most insurance companies will not insure your home for its market value. </span></p>
<p><span style="font-family: Georgia; font-size: 18px; background: white;">The reason for that is that the market value can fluctuate. The rate can increase or decrease; therefore Insurance companies will insure your home for its replacement cost, the amount of money it would take to replace the home. </span></p>
<p><span style="font-family: Georgia; font-size: 18px; background: white;">Although every company has its own calculator to determine the replacement cost, it's mostly determined by the sq ft of your home. It also takes into consideration certain features your home may have, such as whether or not you have basic, custom, or designer kitchen and bathrooms, etc.</span></p>
<p><span style="font-family: Georgia; font-size: 18px; background: white;">&nbsp;Let&rsquo;s look at an example. We will say that your home is 2000 sq ft, and we will consider that most companies want to insure your home for $80-$100 sq ft to rebuild. So, at $100 a sq ft, the replacement cost would be $200,000. Considering the features of your home, it may be higher. </span></p>
<p><span style="font-family: Georgia; font-size: 18px; background: white;">There is a clause in most insurance policies that's says you must insure your home for at least 80% of the replacement cost. So, based off of the example, you cannot insure your home for anything less than $160,000. If the market value of your home is higher than the replacement cost, remember that insurance companies do not insure the land. If the house was to burn down, the land would still be there.<span class="apple-converted-space">&nbsp;</span></span></p>urn:uuid:35990278-7dfa-4e60-b4dd-5cb51a09e4c8http://www.cmginsurancegroup.com/blog/having-the-right-coverages.aspxHAVING THE RIGHT COVERAGESBy now you should probably know about the many benefits of having auto insurance. In doing so, you are protecting your health and financial well-being. What we don&rsquo;t often hear about are the many horrible situations people have to experience fo...Tue, 15 Dec 2015 22:29:39 -0600<p style="margin: 0in 0in 6.6pt; background: white;"><strong><span style="color: #333333; font-family: Georgia; font-size: 18px;">By now you should probably know about the many benefits of having auto insurance. In doing so, you are protecting your health and financial well-being. What we don&rsquo;t often hear about are the many horrible situations people have to experience for various reasons; sometimes their fault, and sometimes the fault of the insurance companies. However, we are required by law to carry car insurance at all times while driving. </span></strong></p>
<p style="margin: 0in 0in 6.6pt; background: white;"><strong><span style="color: #333333; font-family: Georgia; font-size: 18px;">All we can do is ensure that we don&rsquo;t get ourselves into the same situation, and that we learn from other people&rsquo;s mistakes.</span></strong></p>
<p style="margin: 0in 0in 6.6pt; background: white;"><strong><span style="color: #333333; font-family: Georgia; font-size: 18px;">One of our clients shared her story with us, of how she had been sideswiped on her way back from work one evening.</span></strong></p>
<p style="margin: 0in 0in 6.6pt; background: white;"><strong><span style="color: #333333; font-family: Georgia; font-size: 18px;">Kathy&rsquo;s story&hellip;</span></strong></p>
<p style="margin: 0in 0in 6.6pt; background: white;"><span style="font-family: Georgia; font-size: 18px;"><strong><span style="color: #333333;">&ldquo;I&rsquo;m still not completely sure what happened. I remember getting hit, and next thing I know, I&rsquo;m up against a light post on the side of the road. It turns out, the guy that hit me didn&rsquo;t have any auto insurance. I had wrenched my neck pretty bad, and was in a lot of pain, so I went over to the hospital to get it checked out.</span></strong><strong><span style="color: #333333;"><br />
<strong>I called my insurance company the next morning to report my claim, and was hoping to get reimbursed for my medical bill. Apparently, since the other guy didn&rsquo;t have insurance, and my plan didn&rsquo;t have under-insured motorist bodily injury coverage, I was out of luck, and ended up having to come out of pocket $800 for my medical bill.&rdquo;</strong><br />
<em><br />
<em>What We Can Learn From Kathy&rsquo;s Story</em></em><strong>:</strong><br />
<strong>Always make sure you have appropriate forms of coverage, in this case, under-insured motorist bodily injury coverage (UNDUM).</strong></span></strong></span></p>
<p style="margin: 0in 0in 6.6pt; background: white;"><strong><span style="color: #333333; font-family: Georgia; font-size: 18px;">Don&rsquo;t cut out particular forms of coverage just to save a few bucks. If we knew when accidents were coming we wouldn&rsquo;t need insurance at all, unfortunately this is far from reality.</span></strong></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>urn:uuid:32353215-85de-44c6-bf31-31ad0957d1a4http://www.cmginsurancegroup.com/blog/who-is-covered-when-you-buy-auto-insurance.aspxWho is Covered When You Buy Auto Insurance?All of the coverages in your auto policy apply when you are driving. Did you know that&nbsp;they also apply when other people are driving your vehicle? When you purchase auto insurance, the coverages are actually for the car, not the person. &nbsp; *...Tue, 08 Dec 2015 20:14:10 -0600<p style="margin-bottom: 0.0001pt; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">All of the coverages in your auto policy apply when you are driving. Did you know that&nbsp;<em>they also apply when other people are driving your vehicle</em>? When you purchase auto insurance, the coverages are actually for the car, not the person.</span></p>
<p style="margin: 0in 0in 0.0001pt 30pt; background: white;"><strong><span style="color: #444444; font-family: Georgia; font-size: 18px;">&nbsp;</span></strong></p>
<p style="margin: 0in 0in 0.0001pt 30pt; background: white;"><span style="font-family: Georgia; font-size: 18px;"><strong><span style="color: #444444;">* Note.</span></strong><span style="color: #444444;">&nbsp;If someone is going to be a regular user of your car, that person's name should be added to the policy.</span></span></p>
<p style="margin: 0in 0in 0.0001pt 30pt; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.25in; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">Your insurance company wants to know who's going to be using the car. After all, you could be a great driver with no tickets or accidents, but your spouse, your teenage child, or your reckless cousin could be a lousy driver&hellip;it happens!</span></p>
<p style="margin-bottom: 0.25in; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">If you allow everyone to drive your car without telling your insurer, and these people keep getting into accidents&hellip;YOU look bad! Your insurance company isn't going to be happy, and they may cancel your policy as a result. </span></p>
<p style="margin: 0in 0in 0.0001pt 30pt; background: white;"><span style="font-family: Georgia; font-size: 18px;"><strong><span style="color: #444444;">* Tip.</span></strong><span style="color: #444444;">&nbsp;It's not wise to risk losing your policy by failing to disclose who's driving the insured vehicle. Keep in mind, however, that if you add drivers with lousy records or who haven't had much driving experience, your premiums will go up. Let&rsquo;s repeat..lousy drivers=increased premiums. Would you loan your car to a friend, knowing that they are involved in a car wreck every other month? I&rsquo;m sure we all know the answer&hellip;</span></span></p>
<p style="margin: 0in 0in 0.0001pt 30pt; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.25in; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">Teens are another factor. Any parent of a driving teenager can tell you this; teenagers are notorious for getting tickets and having accidents. They are also very inexperienced drivers. As such, when your child gets his or her license, your insurance premiums will go up when he or she is added to the policy.</span></p>
<p style="margin-bottom: 0.25in; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">If you buy all six of the major auto insurance coverages (see older blog), your policy will cover you in most instances in which you cause damage or injury to your car, yourself and your passengers, or drivers and passengers in other vehicles.</span></p>
<p style="margin-bottom: 0.25in; background: white;"><span style="color: #444444; font-family: Georgia; font-size: 18px;">But not all.</span></p>
<p>&nbsp;</p>urn:uuid:27011b84-4bc2-4b77-a7d0-562db329c533http://www.cmginsurancegroup.com/blog/wind-driven-rain-damage-vs-wind-created-opening-damage.aspxWind-Driven Rain Damage VS Wind Created Opening DamageSome insurance policies contain water exclusions or limitations of coverage to the interior of the building, or the property contained in the interior of the building, unless a windstorm damages the exterior roof or walls of the structure through whi...Tue, 01 Dec 2015 20:50:50 -0600<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">Some insurance policies contain water exclusions or limitations of coverage to the interior of the building, or the property contained in the interior of the building, unless a windstorm damages the exterior roof or walls of the structure through which the water enters. Policy limitation/exclusions are often referred to as the wind-driven rain exclusion. It is important for insureds to be aware of this common provision when reporting claims to their insurers or giving statements about the details of a loss. This is particularly important for the many policyholders that are affected by Hurricanes.&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="padding: 0in; border: 1pt none windowtext; font-family: Georgia; font-size: 18px;">An example of the typical wind-driven rain policy limitation/exclusion is:</span></p>
<p style="background: white;"><span style="color: #999999; padding: 0in; border: 1pt none windowtext; font-family: Georgia; font-size: 18px;">We will not pay for loss or damage to the interior of any building or structure, or the property inside the building or structure, caused by rain, snow, sleet, sand or dust whether driven by windstorm or not, unless the direct force of Hurricane, other Wind, or Hail damages the building or structure causing an opening in the roof or wall and the rain, snow, sleet, sand or dust enters through this opening.</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">This policy limitation/exclusion is not only asserted in hurricane claims, it arises in different loss situations across the country. The question often arises whether a windstorm was the direct cause of loss.&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">Contact Us at CMG Insurance for more Information and understanding your Home Coverage.&nbsp;</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>urn:uuid:7c969072-1992-4f4b-8cd2-0d0c2766b894http://www.cmginsurancegroup.com/blog/i-wanted-to-put-off-getting-life-insurancebut-my-husband-didnt.aspxI Wanted To Put Off Getting Life Insurance—But My Husband Didn’tSometimes it does not take an agent to express the importance of proper coverage. Often times the best advice comes from someone that you may know personally or just happened to sit next to during a social function. Whatever the case may be, their pe...Tue, 17 Nov 2015 16:44:26 -0600<p style="margin: 0in 0in 0.0001pt; background: white;"><strong><span style="padding: 0in; border: 1pt none windowtext; font-family: Georgia; font-size: 18px;">Sometimes it does not take an agent to express the importance of proper coverage. Often times the best advice comes from someone that you may know personally or just happened to sit next to during a social function. Whatever the case may be, their personal experiences can be your&nbsp;jump-start&nbsp;in the right direction to protecting the things and people that you value most. </span></strong></p>
<p style="margin: 0in 0in 0.0001pt; text-align: center; background: white;"><strong><span style="padding: 0in; border: 1pt none windowtext; font-family: Georgia; font-size: 18px;">&nbsp;</span></strong></p>
<p style="margin: 0in 0in 0.0001pt; text-align: center; background: white;"><strong><span style="padding: 0in; border: 1pt none windowtext; font-family: Georgia; font-size: 18px;">Cathy&rsquo;s Story</span></strong></p>
<p style="margin: 12pt 0in; background: white;"><span style="font-family: Georgia; font-size: 18px;">When I married James* in 1978, I was 21 years old. I never could have imagined then that I&rsquo;d be a widow by 26, or that I&rsquo;d have a 9-month-old baby to take care of on my own.</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">As soon as we became pregnant, James started talking about&nbsp;<a href="http://www.learnvest.com/knowledge-center/life-insurance-101/" target="_blank" title="This external link will open in a new window"><span style="color: #003891; padding: 0in; border: 1pt none windowtext;">life insurance</span></a>&mdash;but I was hesitant. I was 24, but James was already thinking like an adult. It&rsquo;s not that I wasn&rsquo;t an adult; the topic of life insurance was just scary. I was pregnant with our yet-to-be-born child, and the last thing I wanted to think about was one of us dying.</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin: 12pt 0in; background: white;"><span style="font-family: Georgia; font-size: 18px;">James passed away on a Tuesday in March. The weekend before, we&rsquo;d had an especially good time together. That Monday evening, my neighbor came over to watch a show. James sat with us but left early and was already asleep when I joined him later.</span></p>
<p style="margin: 12pt 0in; background: white;"><span style="font-family: Georgia; font-size: 18px;">The next morning, he left for work without me seeing him. Whether he kissed me goodbye while I slept, I&rsquo;ll never know. I had a hair appointment with the woman across the street. I was sitting in a chair in her basement when I heard footsteps coming down the stairs. I turned to see my brother, Paul, who, like James, was a construction worker. He looked at me and said, &ldquo;Cathy, we have to go.&rdquo;</span></p>
<p style="margin: 12pt 0in; background: white;"><span style="font-family: Georgia; font-size: 18px;">I remember him pulling me out of the chair, and driving to the hospital. My first words were, &ldquo;How bad?&rdquo;</span></p>
<p style="margin: 12pt 0in; background: white;"><span style="font-family: Georgia; font-size: 18px;">He just squeezed my hand.</span></p>
<p style="margin: 12pt 0in; background: white;"><span style="font-family: Georgia; font-size: 18px;">When we arrived at the ER, the other construction workers were there. It was hard for them to look at me&mdash;and that&rsquo;s when I knew.</span></p>
<p style="margin: 0in 0in 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">My story is a reminder that once you have a family&mdash;no matter your age&mdash;life insurance is absolutely&nbsp;<em><span style="padding: 0in; border: 1pt none windowtext;">essential.</span></em></span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>urn:uuid:cbfe6077-2b47-490e-b2a5-d52e620987d1http://www.cmginsurancegroup.com/blog/high-liability-limits-is-my-agent-just-trying-to-make-money-off-of-me.aspxHigh Liability Limits! Is My Agent Just Trying to Make Money Off Of Me?Nancy Says&hellip; &nbsp; I recently had a close friend involved in a car accident. She and her husband were on a residential street, and a car ran a red light and hit them. She was severely bruised, suffered a concussion, and was hospitalized for a ...Tue, 10 Nov 2015 17:49:13 -0600<p style="margin-bottom: 0.0001pt; text-align: center; background: white;"><span style="font-family: Georgia; font-size: 18px; color: #333333; background: #f7f7f7;">Nancy Says&hellip;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">I recently had a close friend involved in a car accident. She and her husband were on a residential street, and a car ran a red light and hit them. She was severely bruised, suffered a concussion, and was hospitalized for a few days. As soon as I heard of the incident, I thought &ldquo;I hope that person had insurance.&rdquo; &nbsp;I didn&rsquo;t ask my friend any details on whether the person had insurance or not, nor if she/he was taking responsibility for the hospital bills and etcetera. I was more concerned about my friend and her recovery, and chose to mind my own business. As I was talking to her, she was telling me how she had two family members who had passed away in car accidents and she felt very lucky to be alive.</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;I began to think of how important it was for me, as an insurance broker, to make sure that my clients have high Liability limits. The chances of someone being involved in a car accident is not uncommon&hellip;but what if it&rsquo;s fatal? Day to day, I advise my clients to have liability limits higher than what the state requires, because it helps to ensure they have enough to pay for the injuries that can arise if involved in a car accident.</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;The minimum liability limits in Texas are 30/60/25. This means that the insurance company will pay no more than $30k for bodily injuries to one person, and no more than $60k for bodily injuries for the entire accident. The remaining $25k is to fix the other person&rsquo;s vehicle. Now, we all know how expensive medical care is, right? So, let&rsquo;s look at a worst case scenario, of 4 people in the car that are injured. Will $60K for the entire accident be sufficient? What if it&rsquo;s fatal? Many times, customers assume that my intention is to make as much money as possible off of them; however, on the contrary I am merely trying to save you money and give you excellent coverage with a reputable company. </span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">The reality is that the difference between the state minimum liability limits and the next two higher limits may only be a couple of dollars more, per month. Liability will most importantly protect you, the client, from having to come out of pocket for anything over what your Liability limit is. Consult with your agent to make sure you have the proper Liability limit, because essentially, you want to protect your assets from lawsuits for not having enough coverage.</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt; background: white;"><span style="font-family: Georgia; font-size: 18px;">Nancy</span></p>
<p><span>&nbsp;</span></p>urn:uuid:3a2ce238-45e5-43f5-9adb-fd08e8d91339http://www.cmginsurancegroup.com/blog/water-damage-vs-flooddo-you-know-the-difference.aspxWater Damage vs. Flood…Do You Know The Difference? Nancy Knows&hellip; I&rsquo;m sure you&rsquo;ve heard of Hurricane Patricia, a category 5 hurricane that caused mass floods in Mexico last weekend. This topic came up as I was talking to a friend, and she said &ldquo;I hope all those people have home...Tue, 03 Nov 2015 20:40:41 -0600<p style="text-align: center;"><strong><span style="font-family: Georgia; font-size: 18px; color: #17365d;">Nancy Knows&hellip;</span></strong></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">I&rsquo;m sure you&rsquo;ve heard of Hurricane Patricia, a category 5 hurricane that caused mass floods in Mexico last weekend. This topic came up as I was talking to a friend, and she said &ldquo;I hope all those people have homeowners insurance."</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">&nbsp;I forget sometimes, as a licensed insurance professional that deals with insurance on a daily basis, that not everyone understands what exactly is covered on their homeowners insurance vs. what is excluded. The fact is, Flood is excluded from ALL homeowners&rsquo; policies, or at least that is the case here in Texas. When I told my friend that it was excluded, she was surprised and said that her agent told her that water damage was covered under her policy.</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">Duhn duhn duhhnnn&hellip; So let me explain the difference between &ldquo;water damage&rdquo; and &ldquo;flood&rdquo;. &nbsp;Flood is categorized as rising water or rain water. &nbsp;Water damage is a coverage offered under some homeowners&rsquo; policies (depending on the type of policy that you have), as long as it&rsquo;s sudden and accidental. Check with your agent to make sure you have this coverage. This type of coverage is offered up to a certain limit, or a certain percentage of your coverage A. </span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">So let&rsquo;s put this into perspective&hellip;&nbsp;An example of water damage would be if your dishwasher overflows or your washer overflows and causes damage to your dwelling (the structure) or your personal property. Always keep in mind what your deductible is, to make sure it would make sense to claim. </span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">Flood insurance can be purchased separately from any licensed agent; as this is a single peril policy and it covers damage caused directly by flood. Typically, if you are not in a flood zone, the premium is pretty reasonable. Hopefully this clears up the difference, but you can always talk to your agent to get more clarification.</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">Nancy &nbsp;&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="color: #17365d;">&nbsp;</span></p>
<p><span>&nbsp;</span></p>urn:uuid:b44429d9-7e75-44b2-804e-04328cff266chttp://www.cmginsurancegroup.com/blog/are-you-in-touch-with-reality.aspxAre You In Touch With Reality?Have you&nbsp;ever had to have a fundraiser just&nbsp;to bury someone; or sell church dinners to help&nbsp;pay for funeral costs? Have you ever had to help someone move because a loved one passed away and they could no longer&nbsp;pay the bills and ...Tue, 27 Oct 2015 20:32:58 -0500<p style="text-align: left;"><span style="color: #17365d; text-align: left; font-family: Georgia; font-size: large;">Have you&nbsp;ever had to have a fundraiser just&nbsp;to bury someone; or sell church dinners to help&nbsp;pay for funeral costs?</span></p>
<p style="text-align: left;"><span style="color: #17365d;"><span style="font-family: Georgia; font-size: large;"><br />
Have you ever had to help someone move because a loved one passed away and they could no longer&nbsp;pay the bills and meet the&nbsp;ongoing living expenses to stay in their home?<br />
</span><span style="font-family: Georgia; font-size: large;"><br />
Have you had to donate to a collection plate&nbsp;to help a recent&nbsp;widow&nbsp;pay off outstanding debt, like&nbsp;credit cards or car notes?<br />
</span><span style="font-family: Georgia; font-size: large;"><br />
Have you seen&nbsp;a family business close, due to the&nbsp;passing of a partner?<br />
</span><span style="font-family: Georgia; font-size: large;"><br />
Have you ever heard of a college kid dropping out of school to help out a parent after the mother or father has passed away?<br />
</span><span style="font-family: Georgia; font-size: large;"><br />
Have you seen a stay at home Mom have to go back to work&nbsp;because their spouse passed away?</span></span></p>
<p style="text-align: left;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;"><br />
If you answered yes to any of this&hellip;keep reading! </span></p>
<p style="text-align: left;"><span style="font-family: Georgia; font-size: 18px; color: #17365d;">The missing element to all of these situations is&hellip;.you guessed it, LIFE INSURANCE! The reality of it, is that if you have someone depending on you financially, you should not want to leave them with a burden. No one wants to think about death, but the harsh reality is that it is unavoidable! So, approach this matter the smart way, and protect your loved ones by protecting yourself!</span></p>urn:uuid:d0501ad0-c5f6-4548-9efa-93a1e1ea186ehttp://www.cmginsurancegroup.com/blog/coverages-do-you-know-what-you-have.aspxCoverages: Do You Know What You Have?Have you ever taken a look at your auto insurance policy, and wondered what was with all the words, titles, numbers, etc. Words and titles, and numbers&hellip;oh, my! Never fear, coverage breakdown is here! We are going to cleverly explain some of th...Tue, 20 Oct 2015 15:09:25 -0500<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">Have you ever taken a look at your auto insurance policy, and wondered what was with all the words, titles, numbers, etc. Words and titles, and numbers&hellip;oh, my! Never fear, coverage breakdown is here! We are going to cleverly explain some of the most common coverages that are found on auto insurance policies by creating a common scenario. The parties involved are A)You and B)Sam<br />
</span><strong style="font-family: Georgia; font-size: large;"><br />
LIABILITY-</strong><span style="font-family: Georgia; font-size: large;">Visualize &nbsp;a traffic light right outside of your office. Let&rsquo;s say you run the light and hit Sam, Therefore the accident is your fault. Now, if Sam is injured, your Insurance company will pay up to $50,000 for his medical expenses. If his family is with him and everyone is injured,&nbsp; your Insurance company&nbsp; will pay up to $100,000 for medical expenses. &nbsp;Your Insurance company will also pay up to $50,000 to have Sam&rsquo;s vehicle repaired or replaced, as it was prior to the accident.</span></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">Limits vary from State minium 30/60/25 to 250/500/250</span></strong></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><strong>PIP-</strong> Now, if you are injured in the accident, &nbsp;your Insurance company will pay up to $5,000 for your medical expenses and up to 80% of your lost wages. Of course, the maximum payout is $5,000.</span></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">Limits vary from $2500 to $10000 </span></strong></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><strong>TOWING-</strong> If your car is not drivable then your Insurance company&nbsp; will pay to have it towed to the body shop of your choice.</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><strong>COLLISION-</strong> Since the accident was your fault, if your vehicle was damaged, you&rsquo;re responsible for the first $500(your deductible) and your Insurance company will pay the remainder to repair or replace your vehicle as it was prior to the accident.</span></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">Deductibles vary from $50 to $1500 </span></strong></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><strong>RENTAL- </strong>&nbsp;While your car is in the shop being repaired, your Insurance company will supply you with a rent car for up to 30 days at $35 a day.</span></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">Rental Limits vary from $30 a day to $50 a day</span></strong></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><strong>COMPREHENSIVE (OTHER THAN COLLISION)- </strong>You also have Comprehensive Coverage on your policy. This, too, has a $500 deductible. This coverage covers anything that is not a collision. Some, examples of this are hail damage, vandalism and theft.</span></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">Deductibles vary from $50 to $1500 </span></strong></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><strong>UNINSURED/ UNDERINSURED MOTORIST-</strong> Now, let&rsquo;s reverse this accident. Sam runs the traffic light and hits you, and then he tells you that he doesn&rsquo;t have any insurance. If you are injured,&nbsp; your Insurance company will pay up to $50,000 for your medical expenses. If your family is with you and you all are injured your Insurance company will pay up to $100,000 for your medical expenses as well. &nbsp;Your Insurance company will also pay up to $50,000 to repair or replace your car as it was prior to the accident&hellip; after a $250 deductible.</span></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">Limits vary from State minium 30/60/25 to 250/500/250 </span></strong></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></strong></p>
<p style="margin-bottom: 0.0001pt;"><strong><span style="font-family: Georgia; font-size: 18px;">So, although your car may be a foreign one, your insurance policy does not.&nbsp;</span></strong></p>urn:uuid:9eb56e0d-e2aa-4008-9e73-564382eacf91http://www.cmginsurancegroup.com/blog/something-about-mary-scheduling-vs-non-scheduling-of-jewelry.aspxSomething About Mary: Scheduling vs. Non-Scheduling of JewelryWe had a client&hellip;for blog purposes, we will say that her name is Mary. Mary had just recently married her college sweetheart. They had quite a busy summer, because not only did they have a wedding and go on a honeymoon; they bought a house as w...Mon, 12 Oct 2015 22:25:44 -0500<p><span style="font-family: Georgia; font-size: 18px;">We had a client&hellip;for blog purposes, we will say that her name is Mary. Mary had just recently married her college sweetheart. They had quite a busy summer, because not only did they have a wedding and go on a honeymoon; they bought a house as well. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Fortunately for Mary and her spouse, they had an excellent realtor and loan officer that referred them to an agent that sold them homeowners insurance. However, &nbsp;Mary nor the agent ever discussed insuring her newly acquired wedding ring. Mary assumed that it was covered, plus she never takes it off, so she was not really concerned. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">While on their honeymoon, Mary and her husband went snorkeling and kayaking. Mary glanced at her finger for a brief second, and noticed that her ring was no longer there. Mary was devastated, and needless to say, her trip was ruined from that point forward. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Mary told her hotel concierge, and he informed her that her homeowners should cover it, as the same thing happened to his wife and their policy covered the replacement under &ldquo;Mysterious Disappearances.&rdquo; Mary was so excited to call her insurance company&hellip;only to find out that they would cover $1000.</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">To some, that may be just fine&hellip;but not for Mary! Mary&rsquo;s ring was not added or scheduled with an appraisal or receipt. Therefore, she received $1000 of a $10,000 ring. </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">So, what is it about Mary? The answer is simple&hellip;she is $9000 shy of a new wedding ring!</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">Moral of the story&hellip;Don&rsquo;t be like Mary. Make sure you are getting enough! </span></p>
<p><span style="font-family: Georgia; font-size: 18px;">We are here, &nbsp;if you need to do a coverage check! Call today so that we can discuss the the benefits of scheduling the significant bling in your life!</span></p>urn:uuid:0145c3a2-dc27-4333-be15-0eafc49fe577http://www.cmginsurancegroup.com/blog/why-does-my-insurance-premium-increase.aspxWhy Does My Insurance Premium Increase??!!! A question many of us have asked ourselves. If you haven&rsquo;t&hellip;your number may soon be up! If you have or have had insurance, chances are you have experienced a rate increase. Let&rsquo;s dive into this topic that has many cringing at the f...Mon, 05 Oct 2015 21:08:42 -0500<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><span class="Apple-tab-span" style="white-space: pre;"> </span>A question many of us have asked ourselves. If you haven&rsquo;t&hellip;your number may soon be up! If you have or have had insurance, chances are you have experienced a rate increase. Let&rsquo;s dive into this topic that has many cringing at the first site of a letter marked with their insurance company&rsquo;s logo! First thing to understand is that when you purchased your insurance policy, you probably signed up for a six or 12 month term. This means that the rate that was quoted is guaranteed or locked in for that term only. A lot of times policy holders assume this rate will be guaranteed as long as they don&rsquo;t file any claims. However, when they receive their renewal packet they come to find out that&rsquo;s not the case. Can you guess what happens next? Yes! You grab your phone and you call your agent or broker. Yes, that person that was your saving grace initially&hellip;but now, you seem to have spotted two horns growing out of their head! We assure you, there are no horns! </span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><span class="Apple-tab-span" style="white-space: pre;"> </span>One of the most common reasons that your rate can increase is your claims history &amp; driving record. Did you know that &ldquo;At fault claims&rdquo; stay on file for five years? Your insurance company may surcharge you for this type of claim. Depending on how long you have been insured with your Insurance carrier, you may qualify for &ldquo;accident forgiveness&rdquo;. However, your rate still may go up due to other factors that we will soon discuss.&rdquo; Not at fault&rdquo; claims stay on file for 3 years, and while your insurance company may not be surcharging you for these claims, you do lose the &ldquo;claims free-discount&rdquo;. </span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><span class="Apple-tab-span" style="white-space: pre;"> </span>Speeding tickets &amp; Violations also can affect your rate, because they predict your driving habits. &nbsp;It&rsquo;s like a mug shot for drivers&hellip;your face is replaced with a sign that says &ldquo;Drives 50mph in a 30mph zone!&rdquo; </span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><span class="Apple-tab-span" style="white-space: pre;"> </span>So, let&rsquo;s take the heat off of you for a bit. Another reason would be that your Insurance Company has simply taken a &ldquo;rate increase&rdquo;. This is very common, and may happen especially after weather storms or catastrophes. We will explain further&hellip;Insurance is a shared risk, so when your Insurance company pays out so much in claims, they may need to adjust their rates to be able to pay for future claims. So, you know that saying &ldquo;Am I my brother&rsquo;s keeper?&rdquo; Yes! You should be! Help your neighbor be smart and crisis free&hellip;who knows, you very well may share the same insurance company!</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><span class="Apple-tab-span" style="white-space: pre;"> </span>On the other hand&hellip;the grass just may be greener on the other side. Rate DECREASES may also happen. You are seeing it correctly! Yes, decreases CAN and DO happen! Some companies offer &ldquo;loyalty&rdquo; discounts. Why not be rewarded for sticking with a company? Also, your rate may decrease when you have claims, tickets or violations that start dropping off your record. </span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>
<p style="margin-bottom: 0.0001pt;"><span style="font-family: Georgia; font-size: 18px;"><span class="Apple-tab-span" style="white-space: pre;"> </span>So there you have it folks! It should be worth noting that there is a solution to managing rate increases. Wait for it&hellip;&hellip;&hellip;&hellip;Drop your agent &amp; get with a Broker! An Insurance Broker, works for YOU, the client. Insurance Brokers write for many Insurance carriers, which means that we have options for you!&nbsp; Would you like Baskin Robbins if they had only 1 flavor?! Our society LOVES options&hellip;so why should it be any different with your insurance?! As a Broker, we can shop your insurance at&nbsp;<strong>any time</strong>&nbsp;to guarantee the best rate &amp; best coverage. Let us do the shopping for you!</span></p>
<p><span style="font-family: Georgia; font-size: 18px;">&nbsp;</span></p>urn:uuid:02335f0a-62e8-4a1e-8006-b1264827b6fahttp://www.cmginsurancegroup.com/blog/uber-insurance-with-cmg-insurance-group.aspxUBER INSURANCE WITH CMG INSURANCE GROUP&nbsp;&nbsp;&nbsp;&nbsp; Get A QUOTE for your uber insurance with CMG Insurance GroupTue, 31 Mar 2015 15:31:06 -0500&nbsp;&nbsp;&nbsp;&nbsp; Get A QUOTE for your uber insurance with CMG Insurance Groupurn:uuid:fb142398-e271-4b81-8846-a6047ab652echttp://www.cmginsurancegroup.com/blog/preferred_insurance_specialist_75219_pacific_specialty.aspxPREFERRED INSURANCE SPECIALIST 75219 Pacific SpecialtyPREFERRED INSURANCE SPECIALIST http://www.pacificspecialty.com/find-an-insurance-specialist/?z=75219Wed, 23 Jul 2014 23:08:59 -0500<span style="color: #ffffff; font-size: 18px; background: #01b7f2;">PREFERRED INSURANCE SPECIALIST<br />
http://www.pacificspecialty.com/find-an-insurance-specialist/?z=75219</span>urn:uuid:3c5d6a24-473c-4be4-96fe-d536924f85b2http://www.cmginsurancegroup.com/blog/get_a_auto_quote_now_in_north_texas_from_cmg_insurance_group.aspxGet a Auto Quote Now In North Texas from CMG Insurance GroupCMG&nbsp;Insurance Group 3626 N Hall St I STE 408 I Dallas Texas 75219 office 214-252-9694 I cell 972-672-4972 I fax 972-534-1104 Get a Quote From CMG Insurance GroupWed, 23 Jul 2014 22:23:45 -0500<p><strong><span>CMG&nbsp;Insurance Group</span></strong></p>
<p><span style="font-size: 24px;"><strong><span>3626 N Hall St </span></strong><span style="color: #943634;">I</span><strong><span> STE 408</span></strong><span style="color: #943634;"> I</span><strong><span> Dallas Texas 75219</span></strong></span></p>
<p><span style="font-size: 24px;"><strong><span>office 214-252-9694</span></strong><span style="color: #943634;"> I</span><strong><span> cell 972-672-4972</span></strong><span style="color: #943634;"> I</span><strong><span> fax 972-534-1104</span></strong></span></p>
<p><strong><span><a href="http://www.cmginsurancegroup.com/framed.aspx?ref=100"><span style="font-size: 24px;">Get a Quote From CMG Insurance Group</span></a></span></strong></p>urn:uuid:1d691da1-3906-40d8-bb29-cb0d92eb89c2http://www.cmginsurancegroup.com/blog/get_a_auto_quote_now_in_north_texas_from_cmg_insurance_group.aspxGet a Auto Quote Now In North Texas from CMG Insurance GroupCMG&nbsp;Insurance Group 3626 N Hall St I STE 408 I Dallas Texas 75219 office 214-252-9694 I cell 972-672-4972 I fax 972-534-1104 Get a Quote From CMG Insurance GroupWed, 23 Jul 2014 22:23:45 -0500<p><strong><span style="font-size: 18px;">CMG&nbsp;Insurance Group</span></strong></p>
<p><span style="font-size: 18px;"><strong><span>3626 N Hall St </span></strong><span style="color: #943634;">I</span><strong><span> STE 408</span></strong><span style="color: #943634;"> I</span><strong><span> Dallas Texas 75219</span></strong></span></p>
<p><span style="font-size: 18px;"><strong><span>office 214-252-9694</span></strong><span style="color: #943634;"> I</span><strong><span> cell 972-672-4972</span></strong><span style="color: #943634;"> I</span><strong><span> fax 972-534-1104</span></strong></span></p>
<p><strong><span><a href="http://www.cmginsurancegroup.com/framed.aspx?ref=100"><span style="font-size: 18px;">Get a Quote From CMG Insurance Group</span></a></span></strong></p>urn:uuid:56f638ac-93ab-40fc-9a14-9d9b3d6697c7http://www.cmginsurancegroup.com/blog/get_a_auto_quote_now_in_dallas_texas_from_cmg_insurance_group.aspxGet a Auto Quote Now In Dallas Texas from CMG Insurance GroupCMG&nbsp;Insurance Group 3626 N Hall St I STE 408 I Dallas Texas 75219 office 214-252-9694 &nbsp;fax 972-534-1104 Get a Quote From CMG Insurance GroupWed, 23 Jul 2014 22:23:45 -0500<p><strong><span style="font-size: 24px;">CMG&nbsp;Insurance Group</span></strong></p>
<p><span style="font-size: 24px;"><strong><span>3626 N Hall St </span></strong><span style="color: #943634;">I</span><strong><span> STE 408</span></strong><span style="color: #943634;"> I</span><strong><span> Dallas Texas 75219</span></strong></span></p>
<p><span style="font-size: 24px;"><strong><span>office 214-252-9694</span></strong><span style="color: #943634;"> </span><strong><span>&nbsp;fax 972-534-1104</span></strong></span></p>
<p><strong><span><a href="http://www.cmginsurancegroup.com/framed.aspx?ref=100"><span style="font-size: 24px;">Get a Quote From CMG Insurance Group</span></a></span></strong></p>urn:uuid:ab89bb3e-87e5-4384-a2cb-18a9c8343bb2http://www.cmginsurancegroup.com/blog/get_a_auto_quote_now_in_plano_texas_from_cmg_insurance_group.aspxGet a Auto Quote Now In Plano Texas from CMG Insurance GroupCMG&nbsp;Insurance Group 3626 N Hall St I STE 408 I Dallas Texas 75219 office 214-252-9694 I cell 972-672-4972 I fax 972-534-1104 Get a Quote From CMG Insurance GroupWed, 23 Jul 2014 22:23:45 -0500<p><strong><span style="font-size: 24px;">CMG&nbsp;Insurance Group</span></strong></p>
<p><span style="font-size: 24px;"><strong><span>3626 N Hall St </span></strong><span style="color: #943634;">I</span><strong><span> STE 408</span></strong><span style="color: #943634;"> I</span><strong><span> Dallas Texas 75219</span></strong></span></p>
<p><span style="font-size: 24px;"><strong><span>office 214-252-9694</span></strong><span style="color: #943634;"> I</span><strong><span> cell 972-672-4972</span></strong><span style="color: #943634;"> I</span><strong><span> fax 972-534-1104</span></strong></span></p>
<p><strong><span><a href="http://www.cmginsurancegroup.com/framed.aspx?ref=100"><span style="font-size: 24px;">Get a Quote From CMG Insurance Group</span></a></span></strong></p>urn:uuid:e1362ca7-1d9c-4264-b323-c59171a0ca16http://www.cmginsurancegroup.com/blog/get_a_home_quote_now_in_dallas_texas_from_cmg_insurance_group.aspxGet a Home Quote Now In Dallas Texas from CMG Insurance Group&nbsp; &nbsp;&nbsp; &nbsp; CMG&nbsp;Insurance Group &nbsp; &nbsp; &nbsp;3626 N Hall St I STE 408 I Dallas Texas 75219 &nbsp; &nbsp; &nbsp;office 214-252-9694 I &nbsp;fax 972-534-1104 &nbsp; &nbsp; &nbsp;Get a Quote From CMG Insurance GroupWed, 23 Jul 2014 12:06:53 -0500<p><strong>&nbsp; &nbsp;<span style="font-size: 18px;">&nbsp; &nbsp; CMG&nbsp;Insurance Group</span></strong></p>
<p><span style="font-size: 18px;"><strong><span>&nbsp; &nbsp; &nbsp;3626 N Hall St </span></strong><span style="color: #943634;">I</span><strong><span> STE 408</span></strong><span style="color: #943634;"> I</span><strong><span> Dallas Texas 75219</span></strong></span></p>
<p><span style="font-size: 18px;"><strong><span>&nbsp; &nbsp; &nbsp;office 214-252-9694</span></strong><span style="color: #943634;"> I</span><strong><span> </span></strong><strong><span>&nbsp;fax 972-534-1104</span></strong></span></p>
<strong><span style="font-size: 18px;">&nbsp; &nbsp; </span><span style="font-size: 24px;">&nbsp;</span><a href="http://www.cmginsurancegroup.com/framed.aspx?ref=100"><span style="font-size: 18px;">Get a Quote From CMG Insurance Group</span></a></strong>urn:uuid:93930ad3-955a-455b-9fd0-5673038b2ecfhttp://www.cmginsurancegroup.com/blog/cmg_insurance_group_dallas_texas_214-252-9692_cmginsurancegroupcom.aspxCMG Insurance Group Dallas Texas 214-252-9692 cmginsurancegroup.com&nbsp;&nbsp;&nbsp;&nbsp;We have just been Awarded the&nbsp; &nbsp;&nbsp;&nbsp; 2014&nbsp;Safeco Premier Partner AwardThu, 27 Mar 2014 13:57:58 -0500&nbsp;&nbsp;&nbsp;&nbsp;<span style="font-size: 24px;">We have just been Awarded the</span>&nbsp;<br />
&nbsp;&nbsp;&nbsp; <span style="font-size: 24px;">2014&nbsp;Safeco Premier Partner Award</span>urn:uuid:25e67d7e-f0b8-4c61-8375-ebec31f62104http://www.cmginsurancegroup.com/blog/cmg_insurance_agents_in_houston_texas.aspxCMG Insurance Agents in Houston Texas&nbsp;&nbsp;&nbsp;&nbsp; There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance: Independent Insurance Agents and Brokers &mdash; represent many insurance companies and resea...Mon, 17 Feb 2014 10:35:58 -0600<p>&nbsp;&nbsp;&nbsp;&nbsp;<strong> There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance:</strong></p>
<ul>
<li><strong>Independent Insurance Agents and Brokers &mdash; represent many insurance companies and research these firms to find you the best combination of price, coverage, and service to meet your needs and expectations.</strong></li>
<li><strong>Captive Agents &mdash; sell the insurance for only one company.</strong></li>
<li><strong>Telephone Representatives &mdash; offer insurance for one company and only on the telephone</strong>.</li>
</ul>urn:uuid:ff021b59-5838-45a7-b902-5cbde7491927http://www.cmginsurancegroup.com/blog/cmg_insurance_agents_in_san_antonio_texas.aspxCMG Insurance Agents in San Antonio Texas&nbsp;&nbsp;&nbsp;&nbsp; There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance: Independent Insurance Agents and Brokers &mdash; represent many insurance companies and resea...Mon, 17 Feb 2014 10:35:23 -0600<p>&nbsp;&nbsp;&nbsp;&nbsp; <strong>There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance:</strong></p>
<ul>
<li><strong>Independent Insurance Agents and Brokers &mdash; represent many insurance companies and research these firms to find you the best combination of price, coverage, and service to meet your needs and expectations.</strong></li>
<li><strong>Captive Agents &mdash; sell the insurance for only one company.</strong></li>
<li><strong>Telephone Representatives &mdash; offer insurance for one company and only on the telephone.</strong></li>
</ul>urn:uuid:0504f0e1-0b01-447f-86e2-c5275488c0bahttp://www.cmginsurancegroup.com/blog/cmg_insurance_agents_in_austin_texas.aspxCMG Insurance Agents in Austin Texas&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance: Independent Insurance Agents and Brokers &mdash; represent many insurance companies and...Mon, 17 Feb 2014 10:34:37 -0600<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<strong> There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance:</strong></p>
<ul>
<li><strong>Independent Insurance Agents and Brokers &mdash; represent many insurance companies and research these firms to find you the best combination of price, coverage, and service to meet your needs and expectations.</strong></li>
<li><strong>Captive Agents &mdash; sell the insurance for only one company.</strong></li>
<li><strong>Telephone Representatives &mdash; offer insurance for one company and only on the telephone.</strong></li>
</ul>urn:uuid:8b0b7cc5-2cae-4909-8281-1d84c60b589ahttp://www.cmginsurancegroup.com/blog/cmg_insurance_agents_in_dallas_texas.aspxCMG Insurance Agents in Dallas Texas&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance: Independent Insurance Agents and Brokers &mdash; represent many insurance compani...Mon, 17 Feb 2014 10:32:47 -0600<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <strong>There is a difference in where you buy your protection. Many people don&rsquo;t realize there are three sources for insurance:</strong></p>
<ul>
<li><strong>Independent Insurance Agents and Brokers &mdash; represent many insurance companies and research these firms to find you the best combination of price, coverage, and service to meet your needs and expectations.</strong></li>
<li><strong>Captive Agents &mdash; sell the insurance for only one company.</strong></li>
<li><strong>Telephone Representatives &mdash; offer insurance for one company and only on the telephone.</strong></li>
</ul>urn:uuid:1ccc29f5-7316-4795-8de6-7b6e13317456http://www.cmginsurancegroup.com/blog/nancy_aguayo_cmg_insurance_group_independent_agent_for_progressive_auto_insurance.aspxNancy Aguayo CMG Insurance Group Independent Agent for Progressive Auto InsuranceNancy Aguayo CMG Insurance Group Independent Agent for Progressive Auto Insurance CMG&nbsp;Insurance Group Se habla espa&ntilde;ol&nbsp; &nbsp;3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insura...Tue, 08 Oct 2013 14:38:07 -0500Nancy Aguayo CMG Insurance Group Independent Agent for Progressive Auto Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
</strong><a href="http://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;frm=1&amp;source=web&amp;cd=1&amp;cad=rja&amp;ved=0CCsQFjAA&amp;url=http%3A%2F%2Fwww.merriam-webster.com%2Fdictionary%2Fse%2520habla%2520espa%25C3%25B1ol&amp;ei=SFtUUrnaE-mz2QWr34GgBg&amp;usg=AFQjCNFrPny3f8haGNygmaMQPZBffWIeZQ&amp;bvm=bv.53760139,d.b2I">Se habla espa&ntilde;ol&nbsp;</a><br />
<strong>&nbsp;3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:a874bc87-bab1-4f02-9306-42760b2c121ahttp://www.cmginsurancegroup.com/blog/josh_fisher_cmg_insurance_group_independent_agent_for_progressive_auto_insurance.aspxJosh Fisher CMG Insurance Group Independent Agent for Progressive Auto InsuranceJosh Fisher CMG Insurance Group Independent Agent for Progressive Auto Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Insurance&n...Tue, 08 Oct 2013 14:34:38 -0500Josh Fisher CMG Insurance Group Independent Agent for Progressive Auto Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:b03620cb-d314-462c-9b7c-4c4470a68856http://www.cmginsurancegroup.com/blog/carlos_clark_cmg_insurance_group_independent_agent_for_progressive_auto_insurance.aspxCarlos Clark CMG Insurance Group Independent Agent for Progressive Auto InsuranceCarlos Clark CMG Insurance Group Independent Agent for Progressive Auto Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Insurance&...Tue, 08 Oct 2013 14:33:19 -0500Carlos Clark CMG Insurance Group Independent Agent for Progressive Auto Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:9463bbc8-9ca0-4f65-9db4-c6189f017213http://www.cmginsurancegroup.com/blog/j_derrick_mcglothin_cmg_insurance_group_independent_agent_for_progressive_auto_insurance.aspxJ Derrick Mcglothin CMG Insurance Group Independent Agent for Progressive Auto InsuranceJ Derrick Mcglothin CMG Insurance Group Independent Agent for Progressive Auto Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Ins...Tue, 08 Oct 2013 14:31:33 -0500J Derrick Mcglothin CMG Insurance Group Independent Agent for Progressive Auto Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:cf55b87f-8248-4e68-aaeb-45380e3e2a74http://www.cmginsurancegroup.com/blog/nancy_aguayo_cmg_insurance_group_independent_agent_for_safeco_auto_home_insurance.aspxNancy Aguayo CMG Insurance Group Independent Agent for Safeco Auto & Home InsuranceNancy Aguayo CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance CMG&nbsp;Insurance Group Se habla espa&ntilde;ol&nbsp; &nbsp;3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com &nbsp;Tue, 08 Oct 2013 14:28:50 -0500Nancy Aguayo CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
</strong><a href="http://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;frm=1&amp;source=web&amp;cd=1&amp;cad=rja&amp;ved=0CCsQFjAA&amp;url=http%3A%2F%2Fwww.merriam-webster.com%2Fdictionary%2Fse%2520habla%2520espa%25C3%25B1ol&amp;ei=SFtUUrnaE-mz2QWr34GgBg&amp;usg=AFQjCNFrPny3f8haGNygmaMQPZBffWIeZQ&amp;bvm=bv.53760139,d.b2I">Se habla espa&ntilde;ol&nbsp;</a><br />
<strong>&nbsp;3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;">&nbsp;</p>urn:uuid:a300c92e-3057-4ab1-9858-2e190abea884http://www.cmginsurancegroup.com/blog/josh_fisher_cmg_insurance_group_independent_agent_for_safeco_auto_home_insurance.aspxJosh Fisher CMG Insurance Group Independent Agent for Safeco Auto & Home InsuranceJosh Fisher CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Insur...Tue, 08 Oct 2013 14:27:20 -0500Josh Fisher CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:dc7e717f-d260-4944-80e5-b977faf203f5http://www.cmginsurancegroup.com/blog/carlos_clark_cmg_insurance_group_independent_agent_for_safeco_auto_home_insurance.aspxCarlos Clark CMG Insurance Group Independent Agent for Safeco Auto & Home InsuranceCarlos Clark CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Insu...Tue, 08 Oct 2013 14:26:12 -0500Carlos Clark CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:39454eac-6798-410b-9a46-ca159b9a6f92http://www.cmginsurancegroup.com/blog/j_derrick_mcglothin_cmg_insurance_group_independent_agent_for_safeco_auto_home_insurance.aspxJ Derrick Mcglothin CMG Insurance Group Independent Agent for Safeco Auto & Home InsuranceJ Derrick Mcglothin CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; C...Tue, 08 Oct 2013 14:24:44 -0500J Derrick Mcglothin CMG Insurance Group Independent Agent for Safeco Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:5446cbb9-d217-4167-b220-38e6c9344341http://www.cmginsurancegroup.com/blog/josh_fisher_cmg_insurance_group_independent_agent_for_metlife_auto_home_insurance.aspxJosh Fisher CMG Insurance Group Independent Agent for MetLife Auto & Home InsuranceJosh Fisher CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Insu...Tue, 08 Oct 2013 14:22:46 -0500Josh Fisher CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:98ca8079-d9b1-48c9-a22b-5d8f4eebfacahttp://www.cmginsurancegroup.com/blog/nancy_aguayo_cmg_insurance_group_independent_agent_for_metlife_auto_home_insurance.aspxNancy Aguayo CMG Insurance Group Independent Agent for MetLife Auto & Home InsuranceNancy Aguayo CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance CMG&nbsp;Insurance Group Se habla espa&ntilde;ol&nbsp; &nbsp;3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making...Tue, 08 Oct 2013 14:20:06 -0500Nancy Aguayo CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
</strong><a href="http://www.merriam-webster.com/dictionary/se%20habla%20espa%C3%B1ol">Se habla espa&ntilde;ol&nbsp;</a><br />
<strong>&nbsp;3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:deab33a5-e250-4fa8-be57-43c6a5ff6bb1http://www.cmginsurancegroup.com/blog/carlos_clark_cmg_insurance_group_independent_agent_for_metlife_auto_home_insurance.aspxCarlos Clark CMG Insurance Group Independent Agent for MetLife Auto & Home InsuranceCarlos Clark CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Ins...Tue, 08 Oct 2013 14:17:07 -0500Carlos Clark CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong></p>urn:uuid:49f8ebc9-1eb4-452e-8e4f-5d8e8471bae3http://www.cmginsurancegroup.com/blog/j_derrick_mcglothin_cmg_insurance_group_independent_agent_for_metlife_auto_home_insurance.aspxJ Derrick Mcglothin CMG Insurance Group Independent Agent for MetLife Auto & Home InsuranceJ Derrick Mcglothin CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; ...Tue, 08 Oct 2013 14:14:39 -0500J Derrick Mcglothin CMG Insurance Group Independent Agent for MetLife Auto &amp; Home Insurance<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong></p>
<br />
\urn:uuid:704f01cf-b587-4718-b3fe-f3fe4292b683http://www.cmginsurancegroup.com/blog/j_derrick_mcglothin_cmg_insurance_group_independent_agent_former_farmers_agent.aspxJ Derrick Mcglothin CMG Insurance Group Independent Agent Former Farmers Agent J Derrick Mcglothin&nbsp;- CMG Insurance Group Independent Agent Former Farmers Agent &nbsp;CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 office 214-252-9694 &nbsp;&nbsp;&nbsp;cmginsurancegroup.com "Making Insurance ma...Mon, 07 Oct 2013 16:17:11 -0500<br />
<strong>J Derrick Mcglothin&nbsp;- CMG Insurance Group Independent Agent Former Farmers Agent<br />
&nbsp;CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><strong>office 214-252-9694<br />
&nbsp;&nbsp;&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:1ca0ddb9-47ca-490e-898b-0d91ac04aa37http://www.cmginsurancegroup.com/blog/carlos_clark_cmg_insurance_group_independent_agent_former_liberty_mutual_agent.aspxCarlos Clark CMG Insurance Group Independent Agent Former Liberty Mutual AgentCarlos Clark&nbsp;- CMG Insurance Group&nbsp;Independent Agent Former Liberty Mutual Agent CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 office 214-252-9694 cell&nbsp;972-672-4972 &nbsp;&nbsp;&nbsp;cmginsurancegroup.com...Mon, 07 Oct 2013 16:14:00 -0500<strong>Carlos Clark&nbsp;- CMG Insurance Group&nbsp;Independent Agent Former Liberty Mutual Agent<br />
CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><strong>office 214-252-9694<br />
cell&nbsp;972-672-4972<br />
&nbsp;&nbsp;&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:49efdf38-32ed-4082-bdbd-52c01ea8dfddhttp://www.cmginsurancegroup.com/blog/nancy_aguayo_-_cmg_insurance_group_independent_agent_former_liberty_mutual_agent.aspxNancy Aguayo - CMG Insurance Group Independent Agent Former Liberty Mutual AgentNancy Aguayo - CMG Insurance Group Independent Agent Former Liberty Mutual Agent &nbsp;CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 office 214-252-9694 cell&nbsp;469-644-8789 &nbsp;cmginsurancegroup.com "Making Insuran...Mon, 07 Oct 2013 16:02:49 -0500<strong>Nancy Aguayo - CMG Insurance Group Independent Agent Former Liberty Mutual Agent<br />
&nbsp;CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><strong>office 214-252-9694<br />
cell&nbsp;469-644-8789<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.<br />
<strong>se hablo espanol</strong></p>
<p style="margin: 0in 0in 0pt;"><strong>Auto Insurance:</strong>&nbsp;</p>
<p style="margin: 0in 0in 0pt;">Aseguranza de carro</p>
<p style="margin: 0in 0in 0pt;">Aseguranza de carros</p>
<p style="margin: 0in 0in 0pt;">Seguro de carro</p>
<p style="margin: 0in 0in 0pt;">Seguro de carros</p>
<p style="margin: 0in 0in 0pt;">Seguro de auto</p>
<p style="margin: 0in 0in 0pt;">Seguro de autos</p>
<p style="margin: 0in 0in 0pt;"><strong>&nbsp;</strong></p>
<strong> </strong>
<p style="margin: 0in 0in 0pt;"><strong>Home Insurance:</strong>&nbsp;</p>
<p style="margin: 0in 0in 0pt;">Aseguranza de casa</p>
<p style="margin: 0in 0in 0pt;">Aseguranza de casas</p>
<p style="margin: 0in 0in 0pt;">Seguro de casa</p>
<p style="margin: 0in 0in 0pt;">Seguro de casas</p>
<p style="margin: 0in 0in 0pt;">&nbsp;</p>
<p style="margin: 0in 0in 0pt;"><strong>Life Insurance</strong>&nbsp;</p>
<p style="margin: 0in 0in 0pt;">Aseguranza de vida</p>
<p style="margin: 0in 0in 0pt;">Seguro de Vida</p>
<p style="margin: 0in 0in 0pt;">&nbsp;</p>urn:uuid:76dfb170-2e84-4756-b7d7-51921af88b96http://www.cmginsurancegroup.com/blog/josh_fisher_-_cmg_insurance_group_independent_agent_former_liberty_mutual_agent.aspxJosh Fisher - CMG Insurance Group Independent Agent Former Liberty Mutual AgentJosh Fisher - Independent Agent Former Liberty Mutual Agent CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 office 214-252-9694 cell&nbsp;214-354-6199 &nbsp;&nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; ...Mon, 07 Oct 2013 15:54:00 -0500<strong>Josh Fisher - Independent Agent Former Liberty Mutual Agent<br />
CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>office 214-252-9694<br />
cell&nbsp;214-354-6199<br />
&nbsp;&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:c2ab8a2d-8ded-45c3-869a-a27dff0c0678http://www.cmginsurancegroup.com/blog/now_offering_low_auto_insurance_rates_quotes_in_the_following_texas_communities.aspxNow offering Low Auto Insurance Rates, Quotes in the following Texas communitiesNow offering Low&nbsp;Auto Insurance Rates, Quotes in the following Texas communities Allen ,Arlington, Anna, Dallas, Highland Park, Irving , McKinney, Oak Lawn, Plano ,Rowlett, Southlake , University Park,&nbsp;Prosper ,Celina, Little Elm, Euless, G...Mon, 07 Oct 2013 14:16:52 -0500Now offering Low&nbsp;Auto Insurance Rates, Quotes in the following Texas communities<br />
Allen ,Arlington, Anna, Dallas, Highland Park, Irving , McKinney, Oak Lawn, Plano ,Rowlett, Southlake , University Park,&nbsp;Prosper ,Celina, Little Elm, Euless, Grapevine, Colleyville, Wylie, Sachse, Heath, North Richland Hills, Flower Mound, Garland, Mesquite, Forney, Sunnyvale, Frisco, Murphy, Rockwall, Mansfield, Hurst, Highland Village, Argyle, Mesquite, Richardson, Carrollton, Coppell, Lewisville, Keller, Roanoke, Trophy Club, Westlake, North Dallas, Addison, Farmers Branch<br />
<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:631e23e2-c9eb-453e-95c7-cb204e4ca080http://www.cmginsurancegroup.com/blog/now_offering_low_car_insurance_ratesquotes_in_the_following_texas_communities.aspxNow offering Low Car Insurance Rates,Quotes in the following Texas communitiesNow offering Low Car Insurance Rates, Quotes in the following Texas communities Allen ,Arlington, Anna, Dallas, Highland Park, Irving , McKinney, Oak Lawn, Plano ,Rowlett, Southlake , University Park,&nbsp;Prosper ,Celina, Little Elm, Euless, Grapevi...Mon, 07 Oct 2013 14:14:36 -0500Now offering Low Car Insurance Rates, Quotes in the following Texas communities<br />
Allen ,Arlington, Anna, Dallas, Highland Park, Irving , McKinney, Oak Lawn, Plano ,Rowlett, Southlake , University Park,&nbsp;Prosper ,Celina, Little Elm, Euless, Grapevine, Colleyville, Wylie, Sachse, Heath, North Richland Hills, Flower Mound, Garland, Mesquite, Forney, Sunnyvale, Frisco, Murphy, Rockwall, Mansfield, Hurst, Highland Village, Argyle, Mesquite, Richardson, Carrollton, Coppell, Lewisville, Keller, Roanoke, Trophy Club, Westlake, North Dallas, Addison, Farmers Branch<br />
<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:7e6f8955-9591-4a9a-bbbb-17dcbe1262d2http://www.cmginsurancegroup.com/blog/now_offering_low_home_insurance_ratesquotes_in_the_following_texas_communities.aspxNow offering Low Home Insurance Rates,Quotes in the following Texas communitiesNow offering Low Home Insurance Rates, Quotes in the following Texas communities Allen ,Arlington, Anna, Dallas, Highland Park, Irving , McKinney, Oak Lawn, Plano ,Rowlett, Southlake , University Park,&nbsp;Prosper ,Celina, Little Elm, Euless, Grapev...Mon, 07 Oct 2013 13:56:00 -0500<span style="color: black;">Now offering Low Home Insurance Rates, Quotes in the following Texas communities<br />
Allen ,Arlington, Anna, Dallas, Highland Park, Irving , McKinney, Oak Lawn, Plano ,Rowlett, Southlake , University Park,&nbsp;Prosper ,Celina, Little Elm, Euless, Grapevine, Colleyville, Wylie, Sachse, Heath, North Richland Hills, Flower Mound, Garland, Mesquite, Forney, Sunnyvale, Frisco, Murphy, Rockwall, Mansfield, Hurst</span>, Highland Village, Argyle, Mesquite, Richardson, Carrollton, Coppell, Lewisville, Keller, Roanoke, Trophy Club, Westlake, North Dallas, Addison, Farmers Branch<br />
<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:ca55a782-7ee7-4e65-b514-1123d00a591chttp://www.cmginsurancegroup.com/blog/cmg_insurance_group_dallas_texas_metlife_auto_home_insurance.aspxCMG Insurance Group Dallas Texas MetLife Auto & Home Insurance&nbsp;For a Local&nbsp;Dallas&nbsp;MetLife&nbsp;Auto &amp; Home Insurance&nbsp;Agent call CMG&nbsp;Insurance Group&nbsp;214-252-9694&nbsp; CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegro...Thu, 19 Sep 2013 12:51:18 -0500&nbsp;For a Local&nbsp;Dallas&nbsp;MetLife&nbsp;Auto &amp; Home Insurance&nbsp;Agent call <strong>CMG&nbsp;Insurance Group</strong>&nbsp;214-252-9694&nbsp;<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:84d4c12f-0241-4186-8acd-901ff73295b5http://www.cmginsurancegroup.com/blog/cmg_insurance_group_dallas_texas_progressive_auto_insurance.aspxCMG Insurance Group Dallas Texas Progressive Auto Insurance&nbsp;For a local&nbsp;Dallas Texas&nbsp;Progressive&nbsp;Agent call CMG&nbsp;Insurance Group&nbsp;214-252-9694 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make sense"&nbsp; CMG Insur...Thu, 19 Sep 2013 12:49:18 -0500&nbsp;For a local&nbsp;Dallas Texas&nbsp;Progressive&nbsp;Agent call <strong>CMG&nbsp;Insurance Group</strong>&nbsp;214-252-9694<strong><br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:272cec5f-fb94-414f-8921-b9eaa7ae8be7http://www.cmginsurancegroup.com/blog/cmg_insurance_group_dallas_texas_safeco_auto_home_insurance.aspxCMG Insurance Group Dallas Texas Safeco Auto & Home InsuranceLocal Dallas Texas&nbsp;Safeco Auto &amp; Home Insurance&nbsp;Agents call CMG Insurance Group 214-252-9694 CMG&nbsp;Insurance Group 3626&nbsp;N&nbsp;Hall St STE 408 Dallas Texas 75219 214-252-9694 &nbsp;cmginsurancegroup.com "Making Insurance make se...Thu, 19 Sep 2013 12:34:18 -0500Local Dallas Texas&nbsp;Safeco Auto &amp; Home Insurance&nbsp;Agents call CMG Insurance Group 214-252-9694<br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>urn:uuid:8ee0b66a-427a-4aaf-8d0d-d41293b94818http://www.cmginsurancegroup.com/blog/cmg_insurance_group_dallas_texas_214-252-9692_cmginsurancegroupcom.aspxCMG Insurance Group Dallas Texas 214-252-9692 cmginsurancegroup.com&nbsp;&nbsp;&nbsp;&nbsp;We at CMG Insurance would like to thank you for giving us the opportunity to earn your business. CMG&nbsp;Insurance Group is an independent insurance agency specializing in Personal, Commercial, Health &amp; Life&nbsp;insuranc...Thu, 19 Sep 2013 12:25:04 -0500<p style="margin: 0in 0in 0pt;">&nbsp;&nbsp;&nbsp;&nbsp;<span style="background: white; color: black;"><em>We at CMG Insurance would like to thank you for giving us the opportunity to earn your business.</em></span><span> </span><i><span style="background: white; color: black;">CMG&nbsp;Insurance Group is an independent insurance agency specializing in Personal, Commercial, Health &amp; Life&nbsp;insurance. We have&nbsp;over 40 years of insurance experience.</span></i><span> </span><i><span style="color: #1f497d;">As independent agents, we are not tied to one insurance company. We will be shopping your insurance for the most competitive prices and best coverage available&nbsp; with some of todays Top A Rated Insurance Companies</span><span style="color: black;">. </span></i><br />
<strong>CMG&nbsp;Insurance Group<br />
3626&nbsp;N&nbsp;Hall St STE 408<br />
Dallas Texas 75219<br />
</strong><span><strong>214-252-9694<br />
&nbsp;<span><a href="http://www.cmginsurancegroup.com/" target="_blank"><span>cmginsurancegroup.com</span></a></span></strong></span> </p>
<p style="margin: 0in 0in 0pt;"><em><span style="color: black;"><strong>"Making Insurance make sense"</strong></span></em>&nbsp;<br />
CMG Insurance&nbsp;is an independent insurance agency specializing in <strong>Personal</strong>, <strong>Commercial</strong>, <strong>Health</strong> &amp; <strong>Life&nbsp;insurance</strong>.</p>
<p style="margin: 0in 0in 0pt;"><b><i><span style="color: #1f497d;"></span></i></b></p>